Does State Farm cover medical bills resulting from the accident?
State Farm will cover medical bills resulting from an accident in certain situations and up to certain limits, depending on the type of State Farm car insurance you have. We’ll explain what State Farm covers after an accident, the difference between the types of auto insurance coverage, and answer some frequently asked questions.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Dec 18, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you’ve been in an accident, State Farm MedPay will cover medical expenses for the injured people in your vehicle
- It differs from liability insurance, which pays the medical bills for a third party if you’re at fault for the accident
- You should also have liability and underinsured or uninsured motorist coverage (UM/UIM)
If you’ve been in a collision, you may wonder if State Farm auto insurance will cover medical bills resulting from the accident. The good news is they are one of the best auto insurance companies when it comes to covering medical bills.
We’ll explain the different types of auto insurance coverage State Farm provides for medical payments from an accident.
State Farm Medical Payments Coverage Definition
What if you have medical bills resulting from an accident? Medical expense coverage, or MedPay, helps covers medical costs, whether it’s the policyholder or passengers hurt in a car crash, regardless of who is responsible.
Below are a few instances of when medical payment coverage helps cover healthcare costs triggered by an accident:
- When a person is hurt when they accidentally collide with another vehicle in a parking lot.
- When a covered person’s spouse is hurt when they’re struck by a vehicle while crossing the street.
- While in a friend’s car, their child is injured.
- After being rear-ended, your passenger complains of neck pain.
Med Pay excludes some things. These include:
- Injuries above your policy coverage amount: You may be liable for the difference.
- Damage to other vehicles or property: Other types of insurance coverage may help pay for damages to other vehicles or property, such as comprehensive or collision coverage.
- Lost wages: However, it will pay for medical expenses that arise from the accident, regardless if the injured person was walking, riding a bike, or in another vehicle.
There are also separate bodily injury liability auto insurance coverage policies for injuries suffered by the driver or passengers of another vehicle in an accident that is your fault.
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Benefits of Buying State Farm Medical Payments Coverage
How much auto insurance coverage do you need? Even though it’s not typically required, you might wonder if it’s worthwhile to add MedPay to your auto insurance policy if you already have health insurance.
However, unlike health coverage, MedPay has no co-pays or deductibles. Additionally, it covers costs that your health insurance might not, like ambulance or chiropractic visits.
It’s also reasonably priced. Many policyholders discover that they can increase their coverage for $5 to $8 per month. The cost increases as the coverage limits go up, of course.
State Farm Covers Medical Bills Resulting From the Accident
With Medical Payments coverage, State Farm will cover your medical bills resulting from an accident or collision.
When you’re involved in an accident, save your medical bills and other documents related to your accident in a safe place, so you can submit them to State Farm and get reimbursed for your medical expenses.
Read more:
- Does auto insurance cover ambulance rides after an accident?
- What if I have medical bills resulting from the accident?
Frequently Asked Questions
What is Personal Injury Protection (PIP) coverage?
If you’re wondering what is PIP insurance, it’s similar to MedPay. It covers the reasonable and necessary medical costs for treatment related to a car accident for you or another covered driver. The benefits might cover treatment, income loss, substitutes for services like childcare, or burial costs if a person dies.
The coverage differs according to state and individual policies. Contact State Farm to find out if they provide affordable personal injury protection coverage in your state.
How does personal injury protection coverage differ from bodily injury liability (BIL) coverage?
PIP pays for medical expenses resulting from an incident involving you and any people riding in your covered vehicle. If you are found at fault, bodily injury liability insurance helps cover the medical costs of a third party, such as the other driver and their passengers.
What other types of coverage pay medical bills resulting from the accident?
Other types of coverage that pay medical expenses resulting from the accident include liability coverage and uninsured/underinsured motor vehicle coverage.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.