Medical Payments Coverage

Coverage that pays for your initial medical expenses if you're hurt in an accident, regardless of fault.

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Understanding Medical Payments Coverage

After an accident, the last thing you want to think about it how you're going to pay for your medical bills.

At Liberty Mutual, we can help you get the coverage you need so you can have peace of mind. Medical Payments Coverage can help pay medical expenses due to injuries from an accident to you or your passengers. This coverage is available regardless of fault.

What is Medical Payments Coverage?

Medical Payments Coverage, also known as Medpay, helps pay for your initial medical expenses related to an accident, regardless of fault. Passengers in your car are also covered.

Medical Payments Coverage can help cover expenses related to:
  • Doctor, hospital, and emergency room visits
  • Initial hospital stay
  • Surgeries and X-rays
  • Health insurance deductibles and co-pays
  • Prostheses or other medical mobility devices
  • Ambulance transport
  • Ongoing medical services
Medical Payments Coverage does not cover:
  • Costs that go beyond your auto policy's stated limit
  • Childcare expenses while recover
  • Wage reimbursement if you're unable to work due to your injuries
  • Medical costs for injuries to other drivers involved in an accident
  • Any medical treatments that aren't related to the auto accident
Man resting with cast and crutches

Is Medical Payments Coverage the same as health insurance?

No. Medical Payments Coverage is not the same as health insurance. Medical Payments Coverage only provides coverage in the event of an automobile accident.

If you're in an accident and have Medical Payments Coverage and health insurance, your Medical Payments Coverage will pay for covered expenses related to the accident first. Once you reach the limit of your Medical Payments Coverage, then your health insurance covers the remaining costs.

Is Medical Payments Coverage mandatory?

In some states, Medpay Coverage is mandatory while in other states, it may be optional or not offered at all.

Should I get Medical Payments Coverage?

Here's some things to think about when deciding if you need Medpay.
  • You have a high-deductible medical insurance plans. Here, Medical Payments Coverage can help cover insurance deductibles.
  • You like to have financial peace of mind in the event of an accident.

If you have questions, we're here to help you get the answers to your Medical Payments Coverage questions. It can also be a good idea to review your health insurance policy.

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What is the difference between Medical Payments Coverage and Personal Injury Protection (PIP)?

Personal Injury Protection or PIP, is like Medical Payments Coverage, but more comprehensive. Simply put, PIP is a no-fault coverage that covers more than medical bills after an accident.

In general, if you're injured due to a covered loss, PIP can help cover related

  • Medical bills
  • Expenses associated with physical and occupational therapy
  • Rehabilitation costs, and other professional health services
  • Lost wages
  • Other qualifying non-medical or work-related losses
  • Death benefits

PIP can also help pay for your injuries if you're

  • A passenger in another person's car
  • Struck by a vehicle as a pedestrian or while bicycling

How much Medical Payments Coverage do I need?

When you buy Medical Payments Coverage, you'll typically have a choice of limits. While you should base your decision on your situation, a few things to think about are

  • Medical expenses over your policy limits will be your responsibility
  • If you have a high-deductible health insurance plan
  • What your specific financial situation is

Other insurances for your medical expenses


Uninsured Motorist Coverage

Protection in the event that you get in an accident with a motorist that does not have insurance.


Personal Injury Protection Coverage

Also known as PIP for short, this coverage addresses injury related expenses from an accident.

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