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:
- 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.