Overview
MedPay is similar to PIP but narrower — it pays only medical and funeral expenses, not lost wages or replacement services. Many Texas drivers use MedPay to cover the deductibles and copays their health insurance leaves behind after a serious crash.
Key benefits
- Pays regardless of fault
- Covers medical bills for you and your passengers
- Helps with health insurance deductibles and copays
- Affordable — usually under $5/month for $5,000 in coverage
Real-world examples
Out-of-pocket medical
Your health plan has a $3,000 deductible. After a crash, MedPay reimburses the deductible so you're not paying out of pocket.
Related coverages
Liability Insurance
Required by Texas law — covers the other driver when you're at fault.
Full Coverage Insurance
Liability + collision + comprehensive — the package most lenders require.
Collision Coverage
Repairs your vehicle after a crash — regardless of who's at fault.
Comprehensive Coverage
Protects against theft, hail, vandalism, and animal strikes.