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Understanding Coverage: Part 4 – MedPay

Medical Payments coverage (MedPay) may cover your medical expenses or those of your passengers after an auto accident.

MedPay, also known as medical expense insurance, may be a coverage option on your auto policy.4 MedPay helps cover immediate medical expenses you and your passengers may have incurred from an auto accident regardless of who was at fault.1 No-fault coverage was introduced in the 1970s to reduce the often costly and time-consuming process of determining who is legally liable for an accident before drivers and passengers can recover financial losses for their injuries.5

When adding MedPay to your auto policy, you can choose a coverage limit, which will determine how your premium will be impacted. MedPay can offset any out-of-pocket expenses not covered by your health insurance. Or, depending upon your insurer and the state you live in, MedPay could be considered your primary coverage for medical bills after an accident, with your health insurance only kicking in if needed.1

Because MedPay varies by state, it’s important to understand what type of coverage is available to you, and whether you need to carry it. You can refer to this map, or even better, reach out to an Amica auto insurance representative if you are unsure about your options. Amica can help further explain the type of MedPay coverage that applies to your state. This can save you a lot of time researching, and give you peace of mind that you have the coverage you need.


  • Medical Payments Coverage, ValuePenguin, 2019.
  • Understanding Medical Payments Coverage, NerdWallet, 2016.
  • Understanding Minimum Car Insurance Requirements, The Balance, 2018.
  • Coverage may vary by state and policy.
  • Background on: No-Fault Auto Insurance, Insurance Information Institute, 2019.

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