What is MedPay in an auto insurance policy?

MedPay, or Medical Payments coverage, is a provision in auto insurance policies that covers medical expenses incurred by the insured and their passengers regardless of who is at fault in an accident. This means that if you are involved in a car accident, MedPay will pay for necessary medical treatment for immediate medical needs caused by the accident, such as hospital stays, surgery, or rehabilitation, without having to determine fault. This coverage can be particularly beneficial in situations where medical costs can add up quickly and can provide peace of mind knowing that some of the financial burden is alleviated.

It's important to understand the scope of MedPay because it is distinct from other coverage types such as liability coverage and uninsured motorist coverage. While liability covers damages to others when you are at fault, and uninsured motorist protection deals with injuries sustained when involved with a motorist who does not have insurance, MedPay is focused solely on the medical expenses of the insured and their passengers.