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What Does Medical Coverage Mean on Auto Insurance?

Everyone is required to have some level of car insurance when they take their vehicles on the roads. However, there are different levels of coverage that drivers can choose from when buying protection for their vehicles. One of those types of coverage is medical coverage, but exactly what does medical coverage on an auto insurance policy cover?

What is Medical Coverage on Auto Insurance?

Medical coverage, (sometimes known as medical payments coverage, medical expense coverage or even MedPay), is a type of auto insurance coverage that helps to pay for the cost of a funeral or medical expenses associated with an auto accident. This option is available with many car insurance policies, such as MAPFRE’s car insurance, and generally covers expenses not only for the policyholder themselves but also for their family members who drive the insured car, as well as any passengers who are traveling in it when the incident occurs. It may also be possible to extend a medical coverage policy to cover injuries sustained outside the vehicle, and the coverage will apply regardless of whose fault the accident was.

What Does Medical Payment Cover?

Several different expenses in relation to a car accident may fall under the medical payments coverage of a car insurance policy. Usually, these relate to costs incurred for medical treatment that the driver or any other covered person sustain during a car accident. These expenses may include:

  • Ambulance and EMT fees
  • Hospital stays and visits
  • Doctor’s visits
  • X-rays
  • Surgery
  • Prostheses
  • Nursing care and services
  • Dental procedures
  • Injuries incurred while riding a bicycle or walking if you’re hit by a vehicle
  • Funerals

Your insurance company will usually pay for expenses resulting from bodily injuries to anyone occupying your auto at the time of the accident. They will also typically pay for expenses resulting from bodily injuries to you or any household member if struck by an auto or if occupying someone else’s auto at the time of the accident.

Not insured with MAPFRE yet? Get a fast, free quote today on your Massachusetts car insurance policy to see if you could get better quality coverage and how much you could save!

Please Note: This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, including American Commerce Insurance CompanySM (Cal. COA 4928-8), Citation Insurance CompanySM, The Commerce Insurance CompanySM, Commerce West Insurance CompanySM (Cal. COA 1372-2), MAPFRE Insurance CompanySM (Cal. COA 3039-5), and MAPFRE Insurance Company of FloridaSM.


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