What is Medical Payments (MedPay)?
Insurance glossary entry on BeCovered.ai for the term "Medical Payments (MedPay)": Optional auto coverage paying reasonable medical expenses after an accident without fault determination. Scope: plain-language meaning for coverage discussions; confirm definitions on your policy forms.
Optional auto coverage paying reasonable medical expenses after an accident without fault determination.
Understanding Medical Payments (MedPay)
MedPay is modest limit coverage for occupants. It may coordinate as secondary to health insurance. It does not replace BI liability to others.
Examples
- $5,000 MedPay covers ER copays for passengers after collision.
- Pedestrian struck as named insured—MedPay may extend per form.
Common Questions About Medical Payments (MedPay)
Does MedPay raise rates heavily?
Usually inexpensive relative to limits—still file thoughtfully; frequency can affect underwriting.
MedPay for at-fault driver?
Often yes for occupants of your vehicle—read exclusions for intentional acts or racing.
Related Insurance Types
Related Terms
Personal Injury Protection (PIP)
No-fault auto coverage paying medical/wage loss for you and passengers regardless of fault.
Copay (Copayment)
A fixed amount you pay for a healthcare service at the time of the visit.
Claim
A formal request to your insurance company for payment or coverage for a loss or policy event.
Exclusion
Specific situations, conditions, or types of damage that your insurance policy does not cover.