Medical Payments Coverage (MedPay) in Florida Auto Insurance Explained

Medical Payments Coverage (MedPay) helps pay for medical expenses if you or your passengers are injured in an auto accident, regardless of who is at fault. MedPay is optional in Florida and works alongside PIP (Personal Injury Protection).

MedPay provides fast, direct medical reimbursement without deductibles or copays.

What Medical Payments Coverage Pays For

• Hospital bills
• Doctor visits
• X-rays and imaging
• Ambulance services
• Surgery
• Dental injuries
• Funeral expenses

MedPay pays these expenses up to the selected limit.

How MedPay Works in Florida

Florida requires PIP, which pays 80% of medical bills up to $10,000. MedPay fills the gap by paying the remaining 20% or more, depending on the limit.

Common MedPay limits:

• $1,000
• $2,000
• $5,000
• $10,000

Higher limits may be available depending on the carrier.

Why Drivers Choose MedPay

• Helps cover PIP’s 20% medical copay
• No deductible
• No copay
• Pays regardless of fault
• Protects passengers
• Provides quick reimbursement

MedPay is especially helpful for families, rideshare drivers, and anyone who wants extra medical protection.

MedPay vs. PIP

• PIP: Required in Florida, pays 80% of medical bills.
• MedPay: Optional, pays remaining medical costs up to the limit.

MedPay is designed to supplement PIP, not replace it.

What MedPay Does NOT Cover

• Lost wages (covered by PIP)
• Long-term disability
• Pain and suffering
• Vehicle repairs
• Property damage

Florida‑Specific Notes

• MedPay is optional but widely recommended due to PIP’s 20% copay.
• Some carriers require matching BI limits to offer higher MedPay limits.
• MedPay can help avoid out-of-pocket medical bills after minor accidents.
• MedPay follows the insured, not just the vehicle.

Medical Payments Coverage provides fast, no-deductible medical protection for Florida drivers and passengers after an accident.

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