What is MedPay?
Med Pay, or Medical Payments, is a type of automobile insurance coverage that you may have purchased when you signed up for your insurance. Med Pay doesn’t consider who was at fault in the accident; it only matters that someone was injured in a wreck. It can be used to pay for medical bills resulting from the accident. Some states, such as Maryland, have something similar called PIP, or Personal Injury Protection. If you have auto insurance based in Maryland, you’ll use PIP instead of Med Pay. Both Med Pay and PIP pay medical bills regardless of who caused the wreck, with some restrictions.
To determine whether you have Med Pay or PIP, you need to check your declarations page. Your automobile insurance declarations page shows how much insurance you have and what kind of insurance you have. You should receive this declarations page every 6 months or every year, depending on the duration of your insurance coverage. Many people can access it through their car insurance app on their phone, or they may receive it through the mail every year. This document is crucial for us to review, so if you can provide it to us right away, that would be terrific.