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Med Pay Insurance for Illinois Crashes

Medical Payments coverage, also known as "MedPay," is a type of auto insurance coverage that helps pay for medical expenses incurred by you as a result of a car accident. This type of coverage often applies to passengers as well, and someone who is injured can use MedPay coverage regardless of who was at fault. In Illinois, Medical Payments coverage is optional but may be included as part of an auto insurance policy.


In Illinois, Medical Payments coverage typically covers reasonable and necessary medical expenses, such as ambulance trips, emergency room treatment, x-rays, CT Scans and MRIs. MedPay can even cover hospitalizations and surgeries, however many MedPay policies are written by insurance companies with a limit of how much money they will pay. Sometimes that limit can be low, like $5,000.00. This will not cover all of your medical costs in most scenarios.

It is important to note that Medical Payments coverage is not the same as liability insurance. Generally speaking, liability insurance covers damages caused to other people or their property. By contrast, Medical Payments coverage only covers medical expenses incurred by you or your passengers.

If you are considering purchasing Medical Payments coverage as part of your auto insurance policy in Illinois, it's important to carefully review your policy and understand the coverage limits, deductibles, and any exclusions that may apply. It's also a good idea to compare rates and coverage options from different insurance providers to ensure you're getting the best policy for your needs and budget.

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