Insurance Term of the Day: MedPay

Insurance Term of the Day: MedPay

The moments following a car accident are overwhelming. Snapping back into reality after a detrimental event can be tough. It all feels surreal. You feel like it’s a dream until you’re pinched, and you wake up. By “pinch”, I mean, the pain of the accident suddenly hits you.

A car accident is terrifying. Once you realize you’re grateful you’re still alive, it gets better. When you’re injured, though, the pain can last weeks, months, even years. We all wish we could just leave the pain at the scene of the car crash, but unfortunately, it follows you.

When all these things happen so quickly, it can be hard to deal with the pain, the anxiety, and the reality of losing your vehicle. The only support system that provides any kind of relief following an accident is your insurance company. For this reason, it’s essential to have sufficient, proper coverages to ensure a swift, effortless recovery.

Next time you’re purchasing your auto insurance, be cautious of which coverages you are declining. These coverages become a lifesaver in the event of an accident. One of the important coverages that is often overlooked is called MedPay, or, Medical Payments coverage. Check your auto policy to see if you have MedPay on your policy, or not.

What is MedPay?

MedPay provides coverage for medical payments for the insured and any additional passengers in the car. MedPay is coverage for any injuries to you and other passengers as a result of an accident. It’s the financial cushion that prevents stress and debt. MedPay provides coverage regardless of who’s at fault in the accident.

How does MedPay vary state by state?

  1. Some states require MedPay, while other states do not provide the coverage at all.
  2. Depending on the state and insurance company, the maximum policy limits will vary.
  3. Some states require you to have MedPay on every vehicle on the insurance policy; the insurance company will not put MedPay on only one vehicle. The limits are required to be the same for every vehicle.

What are a few examples of what MedPay covers? 

  • Emergency rooms visit fees, including ambulance
  • Any surgery or x-rays required as a result of the accident
  • Other doctors’ bills

Ask your independent insurance agent exactly what MedPay will cover based on your insurance company. Coverages vary.

By: KayLynn P.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Life Insurance Is Not About You

There are Many Good Reasons to Get Life Insurance. You May Not Be One of Them.

Four Needs Life Insurance Can Help Fulfill

Life Insurance May Be More Versatile Than You Think

Term Insurance: Big Protection at Affordable Rates

If You Are Entering a High Responsibility Portion of Life, Term Insurance May be the Answer

Funerals, Life Insurance and Flowers

How Funerals Have Changed in Recent Years

The Difference Between Burial Insurance and Life Insurance

Do You Have Sufficient Life Insurance for Your Situation?

Why a Million Dollar Life Insurance Policy May Not Be Enough

The Time When a Million Dollars in Life Insurance May Have Seemed a Bit Much

Creating a Life Insurance Inventory

What Do You Want Your Life Insurance Proceeds to Accomplish?

Life Insurance: Why Waiting Limits Your Options

Waiting to purchase life insurance just may limit your options. Here’s how to maximize your choices when buying life insurance.

Five Cents a Week for Life Insurance? Wait…There’s more!

There Was a Life Insurance Version of the Milk Man and Home Doctor Visit

The Difference Between Term Life Insurance and Permanent Life Insurance Explained

This is a Great Way to Start with Life Insurance

Leave a Comment