Auto Accidents: Understanding Texas Auto Insurance: MEDICAL PAYMENTS COVERAGE

Medical payments, or MedPay, is similar to PIP.  However, MedPay only pays for medical expenses (and not lost earnings).  The other significant difference is that MedPay does have a subrogation interest.  If you’re in a wreck and make a recovery against another party who caused the wreck, then you would have to reimburse your insurance company for any MedPay the company paid you.

All in all, MedPay is often priced very similar to PIP, but MedPay is a much inferior product.  We recommend to our friends and family members that they purchase PIP instead of MedPay.

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