Medical Payments Coverage (MedPay)

Medical Payments Coverage (MedPay) is an optional auto insurance coverage in many states that helps pay for medical expenses for you and your passengers after a crash, regardless of who was at fault.

MedPay typically:

• Covers medical bills up to a chosen limit
• Does not include income loss or broader benefits often found in PIP
• Is available in both tort and no-fault states

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MedPay vs. PIP

• PIP often includes:
  • Medical expenses
  • Income loss
  • In-home services
  • Funeral expenses
• MedPay generally focuses on:
  • Medical expenses only

The ru3.us datasets currently focus on PIP rather than MedPay, because PIP is more closely tied to no-fault systems and statutory minimums.

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Related Terms

• Personal Injury Protection (PIP)
• No-Fault Auto Insurance