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What is medical payments coverage?

Medical payments coverage (Med Pay) helps pay medical and funeral expenses when a covered person — the policyholder, 乘客, or a member of the policyholder's family — is hurt in an auto accident, 不管谁负责.

医疗支付包括什么?

Here are some examples when medical payments will help pay for medical or funeral expenses caused by an auto accident:

  • You're hurt when you accidentally hit another car while driving through a parking lot
  • Your spouse is injured when hit by a car while walking across the street
  • Your child is hurt in an accident while 一名乘客 in a friend's car

医疗支付不包括什么?

Here are some examples when medical payments will not pay for medical or funeral expenses caused by an auto accident:

  • Injury expenses in excess of your policy’s coverage amount
  • Damage done to vehicles or other property
  • Injuries to the driver and 乘客 in another vehicle sustained in an accident for which you are at fault. (T在这里 is separate bodily injury 责任pp王者电子官网 可用于此)

实际覆盖

Let’s say you’re driving and get rear-ended by another car. If one of your 乘客 complains of neck pain from the accident, medical payments can help cover treatment expenses.

How much Med Pay should you have?

大多数州都不要求, and if you have health insurance, consider if it’s worth adding to your 汽车的政策.

  • Unlike health insurance, t在这里 are no deductibles or co-payments with medical payments coverage.
  • It starts paying with the first dollar of incurred expenses and pays regardless of who's responsible for the accident.
  • It will also pay for expenses that your health insurance may not, such as chiropractic visits or an ambulance ride.
  • 相对便宜. Many policyholders find they can add coverage for $5 to $8 per month.脚注 1 The cost goes up with higher coverage limits, of course.

Frequently asked questions about Med Pay

Medical payments coverage can help pay for medical or funeral expenses caused by an auto accident, 无论过错, if you or a family member are injured as the driver, 一名乘客, a pedestrian or while riding in another person’s vehicle.

Medical payment coverage pays your medical expenses from an accident no matter who is at fault. When you’re in an auto accident and are deemed to be the party “at fault,” 责任汽车pp王者电子官网, or 责任pp王者电子官网, helps pay for costs associated to injuries for which you are legally liable.

A typical medical payments plan will not pay for lost wages regardless of how you were injured but will help pay for medical expenses that arise from an auto accident no matter if you were walking, 骑自行车或开车.

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简单的见解®

Looking for help protecting your vehicle? 你来对地方了. 文章从 简单的见解 draw on 100 years of State Farm knowledge.

返回参考文献 1 Applies only in states w在这里 medical payments coverage is an available coverage.

Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, contact your 州立农场代理.

State Farm Mutual 汽车mobile pp王者电子官网 Company
国家农场赔偿公司
布卢明顿,

State Farm County Mutual pp王者电子官网 Company of Texas
理查森,TX