Medical Payments (MedPay) auto insurance coverage
Get the financial support you need if you’re ever injured in a car accident.
What does MedPay car insurance cover?
Medical Payments insurance coverage, also known as MedPay, helps pay for medical expenses if you or your passengers are injured in a car accident. Hospital bills can add up quickly, making MedPay a valuable addition to your Root auto insurance policy.
Hospital bills
MedPay helps cover hospital expenses after an accident, including emergency room visits and inpatient care.
Ambulance fees
If you need emergency transportation after an accident, MedPay helps pay for your ambulance trip to the hospital.
X-rays and surgical procedures
MedPay helps cover diagnostic X-rays and necessary surgical procedures for accident-related injuries.
Health insurance deductibles
MedPay covers eligible out-of-pocket medical expenses, including insurance deductibles up to your coverage limit.
What does MedPay auto insurance NOT cover?
MedPay helps with medical expenses after a car accident, but it doesn't cover every accident-related cost. Here are some expenses that fall outside of MedPay coverage.
Lost wages if you’re unable to work
MedPay doesn't cover lost income if your injuries prevent you from working after a car accident. Personal Injury Protection (PIP) may help replace lost wages, depending on your policy and state requirements.
Injuries to others who weren’t in your vehicle
MedPay generally only covers you and passengers in your insured vehicle. Bodily Injury Liability coverage helps pay for medical expenses if you're responsible for an accident that injures someone else.
Personal injuries unrelated to a car accident
MedPay is designed for injuries resulting from covered auto accidents, not everyday injuries or unrelated medical conditions.
Is MedPay car insurance required in my state?
Medical Payments coverage is an option you can add to your auto insurance policy in most states.
However, there are three states that require drivers to carry MedPay car insurance to legally operate a vehicle as part of their Liability policy, with various minimums:
Maine: $2,000 per person
New Hampshire: $2,000 per person
Pennsylvania: $5,000 first-party medical benefits
How MedPay differs from other insurance coverage
MedPay helps cover medical expenses after a car accident, while other types of insurance offer different protections. Here's how MedPay compares to Liability, Personal Injury Protection (PIP), and health insurance coverage.
MedPay vs. Liability car insurance coverage
Liability coverage helps pay for injuries to others if you cause an accident. MedPay helps cover medical expenses for you and your passengers, regardless of fault.
MedPay also helps cover your injuries if you're hit by a vehicle while walking, or injuries to a pedestrian struck by your car, depending on your policy.
MedPay vs. Personal Injury Protection (PIP) coverage
MedPay and PIP insurance are similar.
Both Personal Injury Protection and MedPay provide insurance coverage for any health expenses after an accident.
But there are a few differences in insurance coverage that you need to know:
PIP covers funeral expenses. MedPay does not.
PIP is required insurance in no-fault states, though it is possible in some of these states to reject or waive coverage.
MedPay is optional.
You can typically purchase PIP or MedPay, but not both.
MedPay vs. Health insurance
MedPay provides extra financial protection after a car accident, even if you already have health insurance. It helps pay for medical expenses your health insurance doesn't fully cover, including deductibles and copays.
Review your health insurance policy to understand what's covered after a car accident and where MedPay could help fill the gaps.
MedPay auto insurance FAQs
What’s the difference between MedPay and bodily injury liability?
MedPay helps cover medical expenses for you and your passengers after a covered car accident, regardless of who's at fault. Bodily Injury Liability pays for injuries you cause to others in an accident where you're responsible.
Do I need MedPay if I have health insurance?
Even with health insurance, MedPay provides additional financial protection after a car accident. It helps pay eligible medical expenses, including deductibles and copays, that your health insurance might not fully cover.
Does MedPay cover me if I’m hit as a pedestrian or cyclist?
Yes, MedPay generally covers your medical expenses if you're injured by a vehicle while walking or cycling. Coverage depends on your policy terms and limits, regardless of who's responsible for the accident.
Does MedPay cover me while riding in someone else’s car?
MedPay coverage often follows you when you're a passenger in another person's vehicle. However, coverage depends on your policy and state regulations, so review your policy to understand when you're protected.
Does MedPay cover chiropractic care or physical therapy?
MedPay generally covers medically necessary chiropractic care and physical therapy for injuries resulting from a covered car accident. Treatment must meet your policy's requirements and falls within your selected coverage limits.
Can I have both MedPay and Personal Injury Protection (PIP)?
Some states allow drivers to carry both PIP and Medical Payments (MedPay) coverage, but availability depends on your state and insurer. Both help pay for medical expenses after an accident, while PIP also typically covers lost wages.
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