Medical payments coverage (MedPay) pays for you and your
passengers'' medical expenses after an accident. These expenses can
be from driving your car, someone else's car or from being a
pedestrian. The coverage pays whether or not you are at fault, but
if someone else is liable, your insurer could choose to recoup the
expenses from the person at fault.
Personal injury protection, also known as PIP, and no-fault
coverage are expansions of medical payment protections that may be
required by your state. In some states, PIP and no-fault are
optional. There are often expanded features that cover lost wages
and child care.
If you have a good health insurance plan, you might not need to
have more than the minimum amount of PIP or MedPay coverage. If you
already have disability insurance, you don't need to buy a large PIP
coverage. There is no need to pay for two policies that do the same
thing.
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