What Is Medical Payments Auto Coverage?
Medical Payments Coverage (often called Med Pay) is a type of car insurance coverage that can help you pay for medical expenses in the event of an auto accident. This optional coverage can help you pay for medical, hospital, and funeral expenses incurred by you and those insured under your policy, regardless of who is at fault for the accident.
What Does Medical Payments Cover on Auto Insurance?
Medical Payments Coverage typically moves with you, meaning that you’re covered if you’re walking, riding in a friend’s car, or on public transportation. Your coverage will also apply to accidents that happen both in and out of state.
Example of Medical Payments Coverage
Potential real-life scenario: You're walking home from work and are clipped by a turning car. One of your legs is fractured and you've got a bad concussion. Depending on your level of coverage, your Medical Payments coverage would help cover the cost of your ambulance ride, x-ray, CT scan, cast, and hospital stay.
Who Needs Medical Payments Auto Coverage?
Even though Medical Payments Coverage is not typically a state-required car insurance , it can still be a valuable optional coverage for many drivers. In the event of a serious car accident, medical expenses can pile up quickly. Having coverage that helps pay for the unexpected could save your family from financial stress during an already difficult time.
Even if you have health insurance, Medical Payments Coverage could still be beneficial. In some instances, it could even help pay for your health plan’s deductible, as well as other out-of-pocket medical expenses not covered in your health plan (like funeral expenses). Plus, unlike health insurance there is no deductible or co-pay for Medical Payments Coverage.
Medical Payments Coverage on Commercial Vehicles
Commercial auto insurance policyholders can also benefit from having Medical Payments Coverage on their commercial vehicles. If you are hurt in an auto accident while operating one of your company’s covered vehicles, Medical Payments Coverage will help pay for the resulting injury-related costs—regardless of who is at fault for the accident.
Like Medical Payments Coverage on your personal vehicle, Medical Payments Coverage on your commercial auto policy could help pay for your ambulance bills, hospital bills, or funeral expenses.
How Do I Purchase Medical Payments Auto Coverage?
Direct Auto & Life Insurance can help! Medical Payments Coverage is just one of many types of coverage options we offer for both personal and commercial auto insurance policies. As with all of our coverage options, you can easily customize your payment plan to match your budget.
All drivers are welcome to apply for coverage! Get a car insurance quote today or talk to a friendly agent over the phone, or at a store near you, for help choosing coverage that could be right for you.
Commercial auto insurance produced by Right Choice Insurance Agency, Inc. and Direct General Insurance Agency, Inc. d/b/a Direct Auto & Life Insurance as agents for Titan Indemnity Company, a Nationwide Insurance Company & its affiliates. Not available in all stores. Pay plans, discounts and coverages subject to terms and conditions.