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Home / Car Insurance Difference Between Medical Payments and Medical Benefits

Car Insurance Difference Between Medical Payments and Medical Benefits

This coverage helps pay for medical expenses that result from a car accident including:

Medical Payments Coverage The benefits of this coverage apply to everyone in your car at the time of collision.

The availability of medical payments coverage varies by state. It's also an optional policy you can add to your policy with the AARP® Auto Insurance Program from The Hartford.1

What Does Medical Payments Insurance Cover?

Your medical payments coverage applies in all states, regardless of who is at fault for the auto accident. It can help pay for:

  • Doctor's visits
  • Medical treatments, surgeries or procedures
  • Funeral costs
  • Medical deductibles and co-pays
  • Extended nursing services or hospitalization
  • Ambulance fees
  • Prosthetic limbs
  • Dental procedures

Who Is Covered by Auto Insurance Medical Payments?

This insurance protection applies to the driver and passengers in a car at the time of the accident. It also helps protect you as a pedestrian.

This means it can help pay for medical treatment if:

  • You're injured as a passenger in a friend's car
  • You or one of your family members injures your passengers in a car accident
  • You're hit by a car while walking across the street

What Is Not Covered by Car Insurance Medical Payments?

It's important to remember that medical payments coverage will not apply in situations where your injuries force you to miss work and you need wage reimbursement. This coverage also doesn't help if you cause injury to other drivers.

Determining Your MedPay Coverage Needs

Medpay Before you decide how much medical payments coverage to buy, look at the amount your health insurer will pay for accident-related injury expenses. If it doesn't look like your health insurer will cover the full amount of potential medical costs from a car collision, you'll likely want to get some MedPay protection.

It's also important to remember that the coverage amount you buy helps determine your MedPay premium. So, the more your insurance policy covers, the higher the cost will be.

You'll also want to keep in mind that unlike health insurance coverage, there are no deductibles or co-payments. You can also add this insurance protection right onto your auto policy with us.

To see how much the right coverage for your needs will cost, read through our car insurance calculator page.

What's the Difference Between Personal Injury Protection and Medical Payments?

Auto Insurance Medical Payments Medical payments coverage and personal injury protection (PIP) are two car insurance coverages that offer similar benefits like paying for medical bills after an accident. They can also both be optional coverages in at-fault states, where drivers who cause an accident must file a claim with their insurance company to pay for damages or injuries.

This differs from states with no-fault insurance laws, which require every driver to file a claim with their own insurance company after a car collision, no matter who's at fault. In these states, you'll need to buy PIP as a part of your auto insurance policy. Some no-fault states include:

  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah

Other differences between PIP and MedPay include:

  • PIP covers lost wages if you're forced to miss work due to a car accident, while medical payments coverage does not.
  • PIP limits and costs are typically much higher than medical payments coverage limits.
  • Both PIP and MedPay have varying coverage requirements.

What's the Difference Between Bodily Injury Liability Coverage and Medical Payments Coverage?

Car Insurance Medical Payments Your medical payments coverage helps pay medical costs resulting from an auto accident for you, your family and everyone in the car at the time of collision. Bodily injury liability insurance also helps pay for treatment after an accident, but only for people other than you or your passengers.

Get a Quote for Medical Payments Coverage Auto Insurance

To learn more about insurance rates and coverages for MedPay, get a car insurance quote today.

Car Insurance Difference Between Medical Payments and Medical Benefits

Source: https://www.thehartford.com/aarp/car-insurance/medical-payments-coverage