MedPay is optional Texas coverage that pays medical bills for you and your passengers regardless of fault. Limits typically run $1,000–$10,000 per person.
What MedPay pays
- Hospital and ambulance bills
- Doctor and specialist visits
- X-rays, MRIs, surgery
- Dental treatment from the crash
- Funeral expenses
MedPay vs PIP
PIP pays medical bills AND 80% of lost wages, regardless of fault. MedPay only pays medical bills. Both can be carried together — they stack.
Filing the claim
Submit medical bills and records to your insurer. MedPay pays quickly (often within 30 days) and doesn't require fault determination.
Subrogation
MedPay is typically subject to subrogation — your insurer may recover from the at-fault driver later, but you keep the medical payments. Always coordinate with your health insurer.
Frequently asked questions
What does MedPay cover in Texas?
Medical bills for you and your passengers, regardless of fault, up to your selected limit.
How is MedPay different from PIP?
PIP also covers 80% of lost wages and includes broader benefits. MedPay is medical-only.
Should I carry both PIP and MedPay?
Yes — they stack and provide layered coverage.
Does MedPay cover passengers?
Yes, all occupants of the insured vehicle.
Does MedPay affect my rates?
MedPay claims are no-fault and typically don't trigger surcharges.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.