What is MedPay?

Car accidents tend to cause physical injuries and extreme financial hardship. Make sure you have some car insurance coverage to help pay for your medical bills if you become a victim of a car crash. This article talks about one option: MedPay.

What is MedPay?

Medical Payment Coverage can pay for your medical expenses in an automobile-related injury, regardless of who was at fault for the accident. It is important to note that MedPay does not replace health insurance. MedPay helps pay your bills after a car accident, and MedPay can help pay your copay or deductible, while health insurance does not. MedPay is not required in Kansas or Missouri. Because Kansas requires PIP and Missouri does not allow PIP, MedPay is more common in Missouri than in Kansas.

What does MedPay Cover?

MedPay covers the costs of medical treatment, such as doctor visits, surgery, X-rays, EMT and ambulance services, hospital stays, etc. It does not help you pay the other costs caused by the car crash, such as property damage, childcare, or lost wages.

The MedPay coverage limit depends on your policy.

Who Does MedPay Cover?

Your MedPay coverage can cover the medical payments for you, your family, your employees, and the passengers in your car after a car accident.

What’s the Difference Between MedPay and PIP?

(For information about PIP, check out our article: What is PIP?)

These two forms of coverage are similar because both help pay your medical bills for an injury related to a car accident, regardless of who caused the car accident. However, these two coverages are different.

States vary on whether they require PIP, do not allow it, or allow it but do not require it. MedPay is an option in all states.

PIP will cover costs caused by the car crash, such as childcare, essential household services, or lost wages. MedPay does not cover these expenses; it only covers medical payments.

An Attorney Can Help Navigate

If you were injured in a car crash that was caused by someone else, the best way to recover is to focus on yourself and your health. You can concentrate better on your health if you let an experienced attorney handle the stress of a car crash, work with insurance companies, and try to get a fair settlement. Find an experienced personal injury attorney to help you navigate this complex process. Call Mark Grover with the GroverLawKC at 913-432-1000 to schedule your free consultation.

The information on this website is for general information purposes only. Nothing on this site should be considered legal advice for any case or situation. This information is not intended to create; receipt or viewing does not constitute an attorney-client relationship.