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Medical Payments Coverage (Med Pay) helps pay medical and funeral expenses when a covered person — the policyholder, passengers, or a member of the policyholder's family — is hurt in an auto accident, no matter who is responsible. Medical Payments Coverage is an addition to your auto or homeowners policy and applies only in states where Medical Payments Coverage is an available coverage.
For example, if you're hurt in a motor vehicle accident while riding in someone else's vehicle, using public transportation, or even walking across the street, Medical Payments Coverage will help pay your medical expenses in accordance with the policy.
Here are some examples when Medical Payments Coverage will help pay for medical or funeral expenses caused by an auto accident:
Most states don't require it, and if you have health insurance through your employer, you may wonder if adding Medical Payments Coverage to your auto policy is worth the cost.
If you're considering this coverage, keep in mind that — unlike health insurance — there are no deductibles or co-payments with Medical Payments Coverage. It starts paying with the first dollar of incurred expenses, and pays regardless of who's at fault for the accident. It will also pay for expenses that your health insurance may not such as chiropractic visits or an ambulance ride.
Another excellent reason to have Medical Payments Coverage — even if you already have health insurance — is that it's comparatively inexpensive. We can't tell you how much Medical Payments Coverage will cost you until we look at your specific circumstances, but many policyholders find they can add coverage for $5 to $8 per month. The cost goes up with higher coverage limits of course.
Medical Payments Coverage pays your medical expenses from an accident no matter who is at fault. When you’re in an auto accident and are deemed to be the party “at fault,” liability car insurance (or liability coverage, as it’s also known) pays the other parties in the accident when they’re hurt.
A typical Medical Payments Coverage plan will not pay for lost wages regardless of how you were injured but will pay for medical expenses that arise from an auto accident no matter if you were walking, riding a bike or in a car.
Medical Payments Coverage is optional in most states unlike PIP coverage, which some states require.
Typically, Medical Payments Coverage is an addition to your auto insurance, but in some cases it can be added to your homeowners policy. To get help deciding which is right for you, contact a State Farm agent.
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Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, contact your State Farm agent.
State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
State Farm County Mutual Insurance Company of Texas