State Farm® Medical Payments coverage, also known as 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.
Here are some examples when medical payments will help pay for medical or funeral expenses caused by an auto accident:
Here are some examples when medical payments will not pay for medical or funeral expenses caused by an auto accident:
Most states don't require Med Pay. But if you have health insurance, consider if it’s worth adding to your auto policy.
Periodically review your Med Pay coverage, especially after life changes like starting a family or moving, to help ensure it still meets your current needs.
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Medical payments coverage can help pay for medical or funeral expenses caused by an auto accident, regardless of fault, if you or a family member are injured as the driver, a passenger, a pedestrian or while riding in another person’s vehicle.
Medical payment 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, helps pay for costs associated to injuries for which you are legally liable.
A typical medical payments plan will not pay for lost wages regardless of how you were injured but will help pay for medical expenses that arise from an auto accident no matter if you were walking, riding a bike or in a car.
Yes. Medical payment coverage can apply if you are injured while riding in a taxi or rideshare vehicle.
Yes. Med Pay can help cover your medical expenses if you are injured as a pedestrian.
No, medical payments coverage is not available in every state. Some states have different requirements and availability. Check with your State Farm agent for more information.
While health insurance plans differ, medical payments coverage can complement your coverage by helping pay for co-payments, deductibles and expenses your health plan may not fully cover.
Yes, you can increase your medical payments coverage if you feel you need more coverage. Feel free to discuss your options with your agent at any time or at your policy renewal. Keep in mind that higher limits may results in increased premiums.
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Looking for help protecting your vehicle? Simple Insights draw on over 100 years of State Farm knowledge around Med Pay.
Learn what Medical Payments Coverage (MPC or Med Pay) is, how it helps pay medical bills after a car accident regardless of fault and why it might be right for you.
Wondering if Medical Payments Coverage (Med Pay) is worth it? Learn about its affordability, no deductibles and how it may fill the health insurance gaps to help you decide.
What's the difference between Med Pay and liability auto insurance? Learn who's covered, when they pay and which is required vs optional.
Explore how liability, comprehensive coverage, deductibles and other coverage choices can affect your auto insurance quote and overall costs.
return to reference 1 Applies only in states where medical payments coverage is an available coverage.
return to reference 2 For more information visit the State Farm auto safety page.
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.
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