What is MedPay?

You don’t want to pay your own medical expenses after a car crash, but you aren’t sure who should pay your bills. Is it the other driver’s insurance company, your health insurance company, or your car insurance company? The answer depends on who was at fault for the crash and the type of insurance you purchased prior to the accident.

MedPay Insurance Coverage

MedPay, also known as medical payments coverage or personal injury protection, is an “extra” or optional coverage that you can include on your own insurance policy. This supplemental coverage could protect you against car accident expenses such as:

  • Ambulance rides
  • Hospitalizations
  • Surgeries
  • Doctors’ visits
  • Medications
  • Nursing care
  • Assistive medical devices, such as wheelchairs or crutches
  • Rehabilitation therapy, such as physical therapy

However, if MedPay does cover your medical expenses and someone else was at fault for the crash, then your insurance company may be compensated by the at-fault driver’s insurance company for any expenses it paid through MedPay.

Should You Purchase MedPay?

There isn’t a one size fits all response to this question. Generally, it is more important to make sure that you have sufficient liability coverage, uninsured motorist coverage, and underinsured motorist coverage before you pay for MedPay because your medical bills could be paid by another driver’s insurance company or your health insurance company. However, don’t rely on your own health insurance until you carefully review the terms of your health insurance contract to see if it covers car accident injuries.

You can protect yourself by talking to your insurance agent about your needs before you are hurt in a crash and talking to an experienced car accident lawyer if you are injured in an accident. Our Wisconsin, Illinois, and Iowa car accident lawyers are here to help you at any time. Please call us or complete our contact form today to schedule a free consultation by video conference, phone, in one of our 11 offices, or in your home or hospital room.


Jason F. Abraham
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Helping car accident and personal injury victims throughout Wisconsin, Illinois and Iowa since 1993.