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
Required by Texas law – covers the other driver when you're at fault.
Liability + collision + comprehensive – the package most lenders require.
Repairs your vehicle after a crash – regardless of who's at fault.
Protects against theft, hail, vandalism, and animal strikes.
Medical Payments Coverage (MedPay) is one piece of a complete Texas policy. See how it fits alongside every other coverage in our El Paso auto insurance guide, or compare rates for your neighborhood on our local coverage pages.