Skip to Main Content

Start Of Main Content

Medical Payments Coverage

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.

Get an Auto Quote

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 riding as 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

  • 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?

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.

Common questions about Med Pay Coverage

What is the difference between Med Pay Coverage and Liability 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.

Does Med Pay cover lost wages when riding a bike?

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.

Is Med Pay Coverage required by state law?

Medical Payments Coverage is optional in most states unlike PIP coverage, which some states require.

Do I get Med Pay Coverage with my auto or homeowners insurance?

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.

Simple Insights® by State Farm®

Take advantage of what we've learned through the years in Simple Insights.

In the market for a classic car? Here's the buyer's guide you need.

In the market for a classic car? Here's the buyer's guide you need.

How to inspect and buy the classic car that's best for your purposes.

Does Your Car Insurance Reflect Your Lifestyle?

Does Your Car Insurance Reflect Your Lifestyle?

Understand your insurance options so you can be as choosy about them as you are about your wheels.

Car Insurance Deductibles: Choosing Well

Car Insurance Deductibles: Choosing Well

Learn what a car insurance deductible is and how it affects your car insurance coverage. Plus, tips on choosing auto coverages.

3 Reasons Why Auto Insurance Rates Are Going Up

3 Reasons Why Auto Insurance Rates Are Going Up

Why auto insurance rates are going up.

Motorcycle Insurance Ratings

Motorcycle Insurance Ratings

Find out how your motorcycle rates in our annual motorcycle insurance ratings and how it will affect your premium.

Can Someone Else Drive My Car?

Can Someone Else Drive My Car?

Discover what happens if someone else drives your car and gets into an accident.

Like a good neighbor, State Farm is there.®

State Farm has plenty of auto insurance options. You can get an auto insurance quote online, or speak with an agent who'll be happy to help you select insurance products and coverage amounts that are right for you.


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