Auto Insurance

MedPay (Medical Payments Coverage)

Optional auto coverage that pays medical bills for you and passengers after an accident, regardless of fault.

Last reviewed: May 2026 · Editorial methodology

Definition

Medical payments coverage (MedPay) pays for reasonable and necessary medical and funeral expenses for you and your passengers after an accident, regardless of fault. It is available in most states that are not pure no-fault states and is an alternative or supplement to PIP. Typical limits range from $1,000 to $25,000. MedPay kicks in immediately after an accident before health insurance processes a claim — useful for covering deductibles, copays, and bills from out-of-network providers. Unlike PIP, MedPay does not cover lost wages. It is inexpensive — often $5–$15 per month — and worth carrying in most cases.

Where this term matters

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Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

PIP (Personal Injury Protection)Auto coverage that pays your medical bills and lost wages after an accident regardless of fault.No-Fault InsuranceAn auto insurance system where each driver's own insurance pays their injuries regardless of fault.Bodily Injury Liability (BI)Auto liability coverage that pays for injuries you cause to other people in an at-fault accident.DeductibleThe out-of-pocket amount you pay before insurance starts covering a claim or health expense.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
CF

Cover Forge USA Editorial Team

Editorial Lead

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed June 2026

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