Car accidents can happen in the blink of an eye—and when they do, unexpected medical bills often follow. Even with health insurance, out-of-pocket costs like co-pays and deductibles can add up fast. That’s where Medical Payments Coverage (MedPay) steps in.
At FGB Law Firm, we want you to understand all of the protections available under your auto insurance policy—especially MedPay, which can make a major difference after a crash.
What Is MedPay?
Medical Payments Coverage (MedPay) is an optional auto insurance benefit that helps pay for medical expenses if you or your passengers are injured in a car accident—no matter who caused the crash.
Unlike liability coverage, which only pays for injuries you cause to others, MedPay covers you, your family, and your passengers.
What Does MedPay Cover?
MedPay typically covers:
Emergency room visits
Hospital stays
Doctor’s visits
X-rays and diagnostic testing
Ambulance fees
Surgery and rehabilitation
Funeral expenses (in the event of a fatal crash)
It can even cover injuries you sustain as a pedestrian or bicyclist if you’re struck by a vehicle.
Key Features of MedPay
✅ No-fault coverage – MedPay pays regardless of who was at fault in the accident.
✅ Immediate payment – Helps cover medical bills while other claims (like liability or PIP) are still being processed.
✅ Fills coverage gaps – It can complement your health insurance and pay for costs that aren’t covered.
MedPay vs. Personal Injury Protection (PIP)
In states like Florida that have Personal Injury Protection (PIP), MedPay can still offer valuable support:
| Feature | PIP (Personal Injury Protection) | MedPay |
|---|---|---|
| Required in Florida | ✅ Yes | ❌ No |
| Pays regardless of fault | ✅ Yes | ✅ Yes |
| Covers lost wages | ✅ Yes | ❌ No |
| Covers medical expenses | ✅ Yes | ✅ Yes |
| Deductible applies? | Often yes | Often no |
While PIP is mandatory in Florida, MedPay is not—but it can enhance your overall protection and help minimize financial stress after a crash.
Do I Need MedPay?
While not legally required, MedPay is a smart, affordable add-on that can save you thousands in medical bills. It’s especially helpful if:
You have a high health insurance deductible
You often transport passengers in your car
You want extra peace of mind in case of injury