What is medical payments coverage?
Medical payments coverage (sometimes known as "med pay") is the part of your car insurance that covers medical expenses to treat injuries to you or your passengers from an accident involving your vehicle, up to your policy limits and regardless of who is at fault. It also covers you as a pedestrian if you are injured by a vehicle. Coverages vary by state, so be sure to check with your insurance representative to verify what your policy covers.
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Travelers umbrella logo. Text, What is medical payments coverage? A user types "medical payments coverage" into a search field.
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Medical payments coverage. You might have heard of it, but what is it? Picture this,
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The user clicks the Search button. The umbrella logo expands to cover the field. A framed picture of a red automobile silhouette rocks from side to side on a nail in a wall.
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you're driving home from a soccer game with your family. On the way, there's a collision with another car, injuring your spouse's back.
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A red automobile collides with a black automobile, and both bash in their radiators.
A man bends over and holds his lumbar area, while a pointed fan extends out from it. A wheelchair wheels into view.
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That's what the medical payments portion of your policy is for.
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A red document with a dollar sign header and a caduceus symbol icon in its foreground.
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Your coverage helps pay for two things,
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Gray outlined ribbons of red dollar signs proceed from the red silhouette of a hospital..
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covered medical expenses up to policy limits
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A dollar banknote falls into an outstretched palm as arrows ascend.
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for anyone injured in your vehicle,
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A silhouette of a woman with a bandaged head.
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regardless of who's at fault.
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A stack of banknotes fans out next to the silhouette of a family of five with a man, woman, and three children.
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Medical expenses for you and your family members who might be involved in an accident as a pedestrian.
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A silhouette of a car hits a stick figure of a man who goes flying. A pair of crutches descend.
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For more answers, go to travelers.com.
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Logo, Travelers, Text, travelers.com. Legal disclaimer, the information in this video is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions, and limits of the actual policy. Nothing in this video alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits discounts and deductibles are subject to state availability and to individuals meeting our underwriting criteria. Not all features available in all states. Insurance is underwritten by The Travelers Indemnity Company and its property causality affiliates, One Tower Square, Hartford, Connecticut. In Texas, Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumer County Mutual Company (CCM). CCM is not a Travelers Company. In California, Auto Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519; State of Domicile, Connecticut, and Travelers Property Casualty Insurance Company, Certificate of Authority #6521, State of Domicile Connecticut. In Washington, Automobile Insurance is underwritten by The Standard Fire Insurance Company. Underwriting companies in California and Washington are located at One Tower Square, Hartford, Connecticut 06183.
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Is medical payments coverage on car insurance required?
Medical payments coverage is not required in most states, but you should still consider adding it to your car insurance policy. As always, check with your local independent agent or Travelers representative to find out if it’s a good fit for you.
