# What is medical payments coverage?

> Medical payments coverage can pay eligible medical or funeral expenses for you and covered passengers after an auto accident.

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.

Coverage, definitions, limits, and legal requirements vary by policy and state. Your declarations page and policy forms control your coverage.

## Related terms

- [Personal injury protection](https://locations.goautoinsurance.com/car-insurance-glossary/personal-injury-protection.md)
- [Coverage limit](https://locations.goautoinsurance.com/car-insurance-glossary/coverage-limit.md)
- [Bodily injury liability](https://locations.goautoinsurance.com/car-insurance-glossary/bodily-injury-liability.md)

- [Car insurance guide](https://locations.goautoinsurance.com/car-insurance-guide.md)
- [Complete glossary](https://locations.goautoinsurance.com/car-insurance-glossary.md)