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.
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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.