Medical Payments Coverage
Medical Payments Coverage pays your and your passengers' medical bills after an accident, regardless of who caused it.
Free to compare
What Is Medical Payments Coverage Insurance?
It covers ambulance rides, hospital bills, surgery, and follow-up care. Unlike liability coverage, which pays the other driver's bills when you're at fault, MedPay covers your side regardless of who caused the crash. The coverage applies immediately, without waiting for fault determination or a liability settlement.
Who Needs Medical Payments Coverage Insurance?
MedPay makes sense if you don't carry health insurance, if your health plan has a high deductible that would strain your budget after an accident, or if you frequently drive passengers who might not have their own health coverage. It's also worth keeping if you want immediate accident payment without waiting for liability settlement or health insurance processing.
Compare your MedPay limit to your health insurance deductible. The coverage pays faster than health insurance, but it doesn't pay more — so the question is whether speed justifies the premium.
How Much Does Medical Payments Coverage Insurance Cost?
- Your health insurance deductible — carriers price lower if you already carry comprehensive health coverage with a low deductible.
- Passenger frequency — drivers who regularly carry passengers see slightly higher premiums than those who drive alone.
- Claim history in your ZIP code — areas with higher accident rates and emergency room costs push MedPay premiums up.
- Coordination of benefits — policies that pay secondary to health insurance cost less than primary-payer MedPay.
- State regulations — North Carolina allows but does not mandate MedPay, so competition keeps pricing lower than in states requiring it.
