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.
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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 2026-06-14
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