Medical payments (Med Pay) will cover your medical payments and those of the passengers in your vehicle if they are injured in an accident. Personal injury protection (PIP) includes coverage for medical payments, but it will also cover other documented losses, such as the loss of your salary. PIP and MedPay are more limited in terms of what you can be reimbursed. For example, there is no option to recover money for pain and suffering in a PIP request.
And as the name suggests, MedPay only pays for medical expenses. Having enough car insurance makes a big difference when it comes to protecting yourself and recovering compensation after a car accident. States with limits on two-party medical bills are set up so that injured drivers with medical insurance make PIP pay a lower amount of medical bills and health insurance pay the rest. Be sure to keep track of all your medical expenses to get full reimbursement from the auto insurance company.
Learn about car insurance in Maryland and how that coverage might apply if you're ever involved in a car accident. These forms of insurance pay for immediate and necessary medical services in the event that a car accident causes injuries. Med-Pay is supplemental coverage, similar to PIP, that only pays for medical bills (not lost wages) if you are injured or killed in a car accident in Maryland. Both personal injury protection (PIP) insurance (PIP) and medical payments insurance (MedPay) are no-fault insurance coverages that cover injuries suffered by you and your passengers in an accident.
Depending on your state's laws, coverage and insurance company, MedPay can supplement your health insurance coverage or function as primary medical coverage after an accident.