Car insurance glossary
What is medical payments coverage?
Medical payments coverage can pay eligible medical or funeral expenses for you and covered passengers after an auto accident.
Also called: MedPay
Glossary date: February 16, 2026
How it works
It generally applies without deciding fault, but limits are often modest. Its coordination with health insurance and PIP varies.
Example
A passenger needs an X-ray after a covered crash. Medical payments coverage may pay the eligible bill up to its limit.
Why it matters
It can help with immediate medical expenses, but it is not a substitute for understanding your health coverage.
What to check on your policy
Review the limit, covered people, exclusions, and how the coverage coordinates with health insurance or PIP.
Related car insurance terms
Put the terms into context
Read the full guide, find a nearby GoAuto office, or start a quote with the coverage details you want to discuss.