Medical Payments Coverage

What Is Medical Payments Coverage?

Medical payments coverage is an auto insurance policy that covers expenses incurred from auto accidents. It is a “no-fault” type of insurance. That means it is accessible regardless of who caused the accident.

Deeper Definition

Medical payment coverage, otherwise known as MedPay, is an insurance policy that covers you, passengers in your vehicle, and injured pedestrians if you are involved in an accident. It is a health insurance supplement that applies no matter whose fault the accident is.

MedPay covers different kinds of expenses that relate to injuries sustained from an automobile accident. Some of the expenses covered include:

Ambulance and Emergency Medical Technician fees

Surgery and X-rays

Prosthetic limbs

Dental procedures

Hospital visits and stays

Nursing services and care

Doctor visits

Medical payment coverage follows the person in whose name the insurance policy is held. For instance, if a person is driving a friend’s car or using public transportation, the insurance still covers them if they are involved in an accident. It also applies to pedestrians. For instance, if the policyholder is hit while walking, the insurance covers them. Also, if the policyholder hits pedestrians, the coverage extends to the injured pedestrians.

Typically, if there is an accident, MedPay will either pay the bills directly or send the payment to the policyholder. The MedPay company has a right to verify whether a policyholder was injured in a motor accident. Usually, this is done through a police traffic collision report, a statement from the policyholder, a report from a doctor, or medical records.