Medical Payments Insurance (Med Pay) is insurance that pays medical expenses for you and your passengers who are injured in a car wreck.
Med Pay acts as supplemental insurance for car accident injuries. Personal Injury Protection coverage (PIP) only covers 80% of medical bills in Florida. Med Pay insurance can cover the remaining 20% and/or provide coverage that exceeds the PIP coverage.
Med Pay may cover reasonable expenses for:
- Medical/surgical expenses;
- Dental expenses;
- Chiropractic treatments;
- Injuries sustained by your passengers; and
- Funeral expenses.
It typically does not cover expenses for:
- Physical or occupational therapy;
- Rehabilitation costs; or
- Psychiatric treatment.
Med Pay is first-party coverage, which means it only provides coverage for you and your passengers. It does not provide coverage for any third-party drivers. Med Pay may also provide coverage if you are hit by a car while you are a pedestrian or riding a bike.
This insurance provides coverage regardless of who caused the wreck.