Is It Required?
Medical payments coverage is required in only two states: Maine has a $2,000 limit minimum1 and Pennsylvania a $5,000 minimum.2 New Hampshire doesn’t require auto insurance; however, if you choose to get it, you must get $1,000 worth of medical payments coverage.3
Who Does Medical Payments Cover?
Medical payments coverage applies to you and everyone in your car during an accident.
How Does Medical Payments Coverage Work?
Since medical payments coverage doesn’t include a deductible, if you get into an accident, your insurance company will immediately cover the medical costs of you and everyone in your automobile. In other words, you won’t have to pay a deductible to get compensation for your medical expenses.
The limit is the maximum dollar amount your insurance provider would pay following a covered claim. Although the required limits in the United States are relatively low, we recommend higher limits because of the high costs of health care.
||2020 average cost
|Copay for in-network doctor appointment
|Copay for urgent care
|Copay for emergency room
Costs can be even higher if you require surgeries, X-rays, ambulances, prostheses or professional nursing. Therefore, we recommend obtaining medical payments coverage of at least $10,000 — or as high as you can afford to pay in premiums.
Should You Get Medical Payments Coverage?
We recommend purchasing either medical payments coverage or personal injury protection, even if you already have health insurance. Otherwise, your car insurance won’t pay for your passengers’ and your injuries in an accident, regardless of who was at fault.