Medical Payments Coverage
Medical Payments Coverage pays medical bills for you and your passengers after an accident, regardless of who caused it.
Free to compare
What Is Medical Payments Coverage Insurance?
Medical Payments Coverage pays medical and funeral expenses for you and anyone riding in your vehicle after an accident, regardless of fault. It processes faster than liability claims because it doesn't require determining who caused the collision.
Who Needs Medical Payments Coverage Insurance?
Medical Payments Coverage makes sense for Pennsylvania retirees who regularly drive passengers without health insurance — adult children between jobs, grandchildren, or friends — because it covers their bills immediately regardless of fault. It's also worth keeping if you carry a high-deductible Medicare Supplement plan or no supplement at all, as Medical Payments pays costs Medicare doesn't cover, like ambulance co-pays and emergency room charges, without waiting for secondary processing.
Ask three questions: Do I regularly carry passengers who lack health insurance? Do I want claims paid in days instead of months, even if my health insurer will eventually cover it? If you answer yes to two or more, keep the coverage.
How Much Does Medical Payments Coverage Insurance Cost?
- Coordination with health insurance — carriers offering policies that pay secondary to Medicare or private health insurance often price this coverage lower than primary-payer policies.
- Household members and typical passengers — carriers adjust pricing if you regularly transport passengers without their own health coverage, particularly uninsured adult children or grandchildren.
- Vehicle use and annual mileage — retirees driving under 7,500 miles annually often qualify for lower Medical Payments rates, as reduced exposure lowers claim probability.
- Stacking with other first-party medical coverages — if you carry Personal Injury Protection in addition to Medical Payments, some carriers reduce the Medical Payments premium to reflect overlapping benefits.
Related Coverage Types
