Definition

• Med pay is a car insurance coverage designed to provide you with limited benefits to pay for medical treatment for injuries from an auto accident.
  
  

Fault

• Med pay generally pays for your injuries regardless of who was at fault in the accident. There might be exceptions if you were intoxicated or committing an illegal act when the accident occurred.
  
  

Primary Coverage

• Unless stated otherwise in your policy, med pay is primary. The limits of your med pay coverage must be exhausted before health insurance coverage kicks in.
  
  

Limits

• Insurance companies typically offer med pay limits of less than $25,000. For this reason, it should not be considered a substitute for health insurance.
  
  

Deductible Offset

• Many drivers use med pay to offset high deductibles on health insurance. This benefit can make med pay well worth the nominal cost.