Why is it important to have medical payments coverage even if you have health insurance?
Isabella Harris
Published Jan 19, 2026
Health insurance typically pays for medical expenses, but some policies exclude injuries related to a car accident. That can leave you on the hook for high out-of-pocket expenses. Medical payments coverage could help pay for those expenses and give you peace of mind.
Does full coverage cover medical bills?
Full coverage auto insurance encompasses all parts of liability coverage, but it also covers your vehicle and medical costs if you’re at fault.
What kind of health insurance involves a copay for doctor visits?
Explanation: Managed-care plans are a type of health insurance.
How does medical payments on auto insurance work?
Where your health insurance may not be as robust, MedPay can add an extra layer of coverage. It may also allow you to receive money more quickly to pay medical bills if the accident is caused by the other driver — your company will pay you, then go after the other driver’s insurer through the process of subrogation.
Is it good to carry medical expense insurance?
Typical rates are around $20 or less for $1,000 coverage, and, remember, you can “stack” that limit by the number of vehicles on the policy up to four. So, you should certainly consider carrying Medical Payments coverage to protect yourself and those who are in your vehicle. It’s good coverage to have and is relatively inexpensive.
When do you have to have medical insurance?
Medical Expense coverage covers medical expenses incurred within 3 years after the date of the collision or injury. Although it’s an optional coverage because you don’t have to have it, by law Medical Payments coverage must be offered by your insurance company.
Should I use my own health insurance to pay my medical bills?
One of the most common questions asked by a new client is: should I use my own health insurance to pay my medical bills. The answer is always yes. People who have been injured through no fault of their own are often confused about who should pay their accident-related medical bills.
