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What is first party medical and PIP coverage?

Learn how first party medical coverage works, what it covers, how it’s required in some states and if you need this coverage.

Man on crutches enters his car and is thankful he has Personal Injury Protection.

First party medical coverage is a coverage under your auto insurance that pays the reasonable and necessary medical expenses you and your passengers incur due to injuries sustained in an accident, regardless of fault. The type of first party medical coverage available varies by state. Some states offer Medical Payments Coverage (MPC) while other states have Personal Injury Protection (PIP) coverage. A few states have both PIP and MPC available. First party medical coverage may be legally required or optional depending on where you live.

Who needs first party medical coverage?

First party medical coverage can give you the peace of mind that your medical expenses from an accident will be covered no matter who is at fault. This coverage can overlap with other insurance you have, such as health insurance and disability insurance, so you will need to decide what coverage works for you.

How is first party medical coverage different than Underinsured and Uninsured Motorist Coverage?

First party medical coverage covers your medical expenses regardless of who is at fault. Underinsured and Uninsured Motorist Coverage is another type of auto insurance that pays for damages if you or another covered person is injured in an auto crash caused by a driver who does not have liability insurance or is underinsured as defined by the policy.

What is typically covered by first party medical coverage?

This coverage pays your (or another covered driver's) reasonable and necessary medical expenses for treatment caused by an auto crash. Depending on whether the coverage in your state is PIP or MPC, it may also pay for:

  • Rehabilitation;
  • Lost earnings;
  • Replacement of services (e.g., child care if a parent is disabled); and
  • Funeral expenses.

The coverage varies by state and specific policy. Please speak to your State Farm® agent regarding what is available in your state and what it covers.

Am I required to have first party medical insurance?

Some states require drivers to have some level of first party medical coverage, but in most states it is an optional coverage you can get with your car insurance. Please speak to your State Farm agent regarding what coverage is required and what optional coverage is available.

Contact a State Farm agent today to find out what’s right for you.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. State Farm makes no guarantees of results from use of this information.


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