{"id":2360,"date":"2020-12-16T17:45:47","date_gmt":"2020-12-16T17:45:47","guid":{"rendered":"https:\/\/www.mesrianilaw.com\/what-is-medpay-insurance-and-do-i-need-it\/"},"modified":"2025-07-20T09:58:51","modified_gmt":"2025-07-20T09:58:51","slug":"what-is-medpay-insurance-and-do-i-need-it","status":"publish","type":"post","link":"https:\/\/www.mesrianilaw.com\/blog\/what-is-medpay-insurance-and-do-i-need-it\/","title":{"rendered":"What is MedPay Insurance and Do I Need It?"},"content":{"rendered":"

Getting injured in a traffic accident is not only painful but it can also be financially overwhelming. To offset some of the costs, drivers can add non-compulsory (elective) car insurance to their auto policy.<\/p>\n

Medical Pay Benefits coverage, also called MedPay for short, is optional automobile insurance in California. MedPay must be added by the policyholder but is not mandatory in the state of California.<\/p>\n

Here\u2019s what you should know about this optional insurance:<\/p>\n

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Types of MedPay Coverage<\/strong><\/h2>\n

In California, there are two types of medical pay benefits coverage that a driver can add to their policy: primary or secondary coverage.<\/p>\n

Primary coverage provides the policyholder with an extensive amount of coverage. However, is more costly than secondary coverage.<\/p>\n

Here\u2019s an example of how it works: A personal injury attorney will collect medical bills that his\/her client has accumulated after an accident or incident. The attorney will then make a MedPay demand by submitting client\u2019s incurred bills related to the accident or incident to client\u2019s own insurance carrier. The insurance company will then compensate client the insured (attorney\u2019s client) reasonable charges for treatments obtained. An experienced attorney can help a client recover the maximum applicable amount of such benefits.<\/p>\n

Secondary coverage is cheaper than primary insurance but the coverage is more limited. Secondary coverage is only applicable if you have health insurance. One benefit of secondary coverage is a lower payment. Additionally, deductibles and co-pays that your insurance doesn\u2019t cover will be paid for. \u00a0\u00a0<\/strong><\/p>\n

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Expenses Covered Under MedPay <\/strong><\/h2>\n

MedPay covers all necessary expenses including medical bills and funeral costs (up to policy limits). It also covers the following expenses:<\/p>\n