Your auto insurance coverage most likely contains something called “medical payments coverage” or “MEDPAY” for short. This is inexpensive coverage that takes care of your medical bills if you are hurt in an auto collision. Even if the other driver is at fault, you need to get the medical treatment you require without waiting for the other insurance company to stop dragging its feet. Your own MEDPAY coverage allows you to do that without affecting your rates. MEDPAY is also important if you have a high-deductible health insurance plan that requires you to pay a certain amount directly before your coverage benefits begin.
MEDPAY is usually provided in $5,000 increments. Unfortunately, most people only have $5,000 in MEDPAY coverage. You should talk to your agent or your insurer about increasing your MEDPAY coverage to at least $10,000, and preferably more than that. Having this coverage provides tremendous peace of mind at very low cost.