Medical payments (Med Pay) will cover your medical payments and those of the passengers in your vehicle if they are injured in an accident. Personal injury protection (PIP) includes coverage for medical payments, but it will also cover other documented losses, such as the loss of your salary. The PIP covers just about every aspect of hospitalization and medical coverage you can imagine. Everything from medications to nursing care and surgery is covered by the PIP.
It's important to note that a 100 percent refund is not required, but a co-payment is required. If your health insurance doesn't cover injuries caused by car accidents, it's a good idea to buy medical payments coverage. It's optional in all but two states, and covers the medical expenses of the insured person, as well as other drivers listed on the policy, the members of the insured person's household, and any passengers who may be in the car. If you've had a car accident, see a doctor as soon as possible, preferably one who has experience billing PIP insurance.
Depending on the state law in which you live, your coverage and your insurer, MedPay can supplement your health insurance coverage or even function as your primary medical insurance after your accident. When you have a car accident, your own personal injury protection (PIP) insurance coverage, required by Florida law, will cover your injuries. It helps you avoid some of the drawbacks of traditional health insurance coverage, such as late payment of your health insurance policy.