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What is medical payments

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, like 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.

Med Pay is an addition to your auto or homeowners policy and applies only in states where medical payments coverage is an available coverage.

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How does Med Pay work?

How does Med Pay work?

Here are some examples when medical payments coverage will help pay for medical or funeral expenses caused by an auto accident:

  • You're hurt when you accidentally hit another car while driving through a parking lot
  • Your spouse is injured when hit by a car while walking across the street
  • Your child is hurt in an accident while a passenger in a friend's car
  • One of your passengers complains of neck pain after the car you're driving is rear-ended by another vehicle

What Med Pay coverage won’t cover

What Med Pay coverage won’t cover

  • Injuries in excess of your policy’s coverage amount
  • Damage done to vehicles or other property
  • Injuries to the driver and passengers in another vehicle sustained in an accident for which you are at fault. (There is separate bodily injury liability coverage available for this)

How much Med Pay should you have?

How much Med Pay should you have?

Most states don't require it, and if you have health insurance through your employer, consider if it’s worth adding to your auto policy.

  • 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 responsible for the accident.
  • It will also pay for expenses that your health insurance may not, such as chiropractic visits or an ambulance ride.
  • It’s comparatively inexpensive. Many policyholders find they can add coverage for $5 to $8 per month.1 The cost goes up with higher coverage limits, of course.

Want more than Medical Payment coverage?

When it comes to car insurance, you’ve got plenty of policy options. State Farm can help you find the right coverage or how much auto insurance you might need. Coverage varies by state and your selection.

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Got more questions about Med Pay coverage?

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.

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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1 Medical payments coverage costs are determined by your specific circumstances and will vary person to person.


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
Bloomington, IL


State Farm County Mutual Insurance Company of Texas
Richardson, TX