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Medical Payments (MedPay) Insurance Coverage

Purchase Medical Payments Insurance online today

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What is Medical Payments Insurance or MedPay?

Medical Payments Insurance is a type of car insurance coverage car that pays for expenses relating to injuries resulting from a covered event, such as a car accident. Unlike your liability coverage for bodily injury or death, Medical Payments Insurance covers you – and your passengers – regardless of who is at fault in the accident.

Not all states require additional medical coverage on top of liability insurance, only Pennsylvania and Maine require Medical Payments Insurance. New Hampshire does not require its drivers to purchase car insurance, but if they do purchase it, the minimum package must include MedPay. Other states require Personal Injury Protection (PIP) or No Fault Insurance. Some do not require additional medical payment insurance at all or do not offer MedPay or PIP. Your Freeway Insurance agent can help you sift through your options to find the best coverage for you.

How Does Medical Payment Insurance, or MedPay, Work?

Medical Payment Insurance, or MedPay, provides what is considered gap coverage in the event of injuries or death. Most MedPay benefits will cover you even when you are not in your vehicle, for example, if a vehicle hits you while walking or biking. MedPay offers immediate money after an incident to help you pay for things like medical bills and funerals and you can even use your MedPay insurance to help pay for the deductibles and copays for your regular healthcare insurance. MedPay is considered to be a supplement to your health insurance – check with your health insurance provider to find out which would be considered primary.

Since the coverage provided by your liability car insurance can take some time to be disbursed, MedPay is valuable since it kicks in immediately – meaning you don’t have to wait while the insurance companies battle out who is at fault for the accident. It means some of your bills won’t have to come out of your pocket while you wait to find out if you’ll be covered by your liability insurance.

A final note: MedPay will help you pay for your injuries if you cause an accident while driving under the influence. Your car insurance policy most likely will not.

How Much Does Medical Payment Insurance Cost?

For the peace of mind it provides, MedPay is actually pretty cheap. It averages somewhere between $5 and $20 per month – depending on the amount of protection you purchase and other factors the insurance company takes into account, such as your overall driving record. It’s another good reason why shopping around and comparing car insurance companies is a good idea.

What is the Difference Between MedPay and Personal Injury Protection, PIP?

Typically, part of the state-required minimum car insurance in no-fault states, Personal Injury Protection, or PIP, is similar to Medical Payments Insurance in that both are designed to cover medical bills after a car wreck, regardless of who is determined to be at fault. Like MedPay, PIP also kicks in immediately so those who need it don’t have to wait while insurance companies and possibly courts sort out who is to blame for the wreck and who is responsible for the bills. PIP has the advantage of covering more than MedPay, like child care expenses and lost wages. However, PIP has a deductible, which MedPay does not. Many people feel that a combination of the two offers the greatest protection.

Get Your Medical Payments Insurance Online Today

Depending on where you live, MedPay Insurance may be part of your state-required liability insurance. Other states offer MedPay as an option that must be declined in writing. However, MedPay is a good option to consider since it is inexpensive and offers peace of mind in the event of a car accident.

Your Freeway agent can help you determine what’s right for you. We’ll compare car insurance quotes so you can choose the policy that best meets your needs and budget. Contact us today for a quick, fast online insurance quote or by calling us at 800-777-5620 or by visiting us at one of our local offices.

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