Asked by Ryan from Newport News, VA
That’s a great question, Ryan. Thanks for asking!
First, just to clarify, medical payments insurance (often called med pay) covers doctor, hospital and funeral expenses when you, a passenger or someone on your policy is involved in an accident that results in injury or death—regardless who’s at fault.
If you have health and disability insurance, you may not need medical payments coverage—unless your state requires it. That’s because health insurance takes priority over med pay, so it kicks in and pays first. However, if you don’t have good health coverage, we definitely recommend med pay for your own financial protection. Medical bills can run into the thousands (or even millions) of dollars, and trying to cover that out of your own pocket can be financially devastating for most people.
Please note: InsureMe Answers is not intended to be a substitute for advice from a licensed professional. For specific questions about a policy or claim, please contact your insurance agent or company.