How can I tell the difference between medical payments coverage and personal injury protection?

What's the difference between MedPay and PIP? My car insurance offers both, but they seem like they cover the same thing.

Answer provided by
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Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“You may have both medical payments coverage and personal injury protection on your policy depending on your location.
The main difference between the two is that personal injury protection often provides more coverage. It covers more than just medical bills. It also includes:
  • work loss
  • funeral expenses
  • in-home care.
It often provides more coverage than a health insurance policy.
With medical payments coverage, you are only covered for medical bills and funeral expenses. If you have both medical payments coverage and personal injury protection, your PIP would act as primary coverage and your medical payments would be secondary.
In most states, you won’t be required to carry both nor have the option to. Most no-fault states require that you carry PIP and typically won’t give you an option for medical payments coverage. Other states may only offer medical payments as an additional coverage.”
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