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How can I tell the difference between medical payments coverage and personal injury protection?
What's the difference between MedPay and PIP? My car insurance offers both, but they seem like they cover the same thing.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You may have both
medical payments coverage
and personal injury protection on your policy depending on your location. The main difference between the two is that
personal injury protection
often provides more coverage. It covers more than just medical bills. It also includes:- work loss
- funeral expenses
- in-home care.
It often provides more coverage than a health insurance policy.
With medical payments coverage, you are only covered for medical bills and funeral expenses. If you have both medical payments coverage and personal injury protection, your PIP would act as primary coverage and your medical payments would be secondary.
In most states, you won’t be required to carry both nor have the option to. Most no-fault states require that you carry PIP and typically won’t give you an option for medical payments coverage. Other states may only offer medical payments as an additional coverage.”
View full answer
- Gregory R.
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