WHAT IS MEDPAY COVERAGE?
If you purchased “full coverage” on your own auto insurance policy, you may have a coverage called “Medical Payments” or MedPay”. Medpay works similiar to PIP coverage (see my earlier post) in that it pays for medical expenses incurred from a wreck REGARDLESS OF WHO WAS AT FAULT. The big difference with MedPay is that it likely has “subrogation rights”, which means that if you recover the medical expenses from the at-fault driver, you must reimburse the MedPay insurance company.
I recommend you buy PIP instead of MedPay if given the option.