Many insurance policies in Ohio include something called medical payments coverage, often referred to as “med pay” for short. Med pay coverage is intended to pay for medical bills for you and any other occupants of your vehicle, up to a specific amount. Med pay is available regardless of fault – it doesn’t matter who caused the accident. It is not health insurance, but can be used to pay accident-related bills. If you are injured in an accident, the med pay coverage for the vehicle you were in can often help cover medical expenses while your claim or case is pending, and can help keep some bills from being turned over to collections. Even if another driver caused the accident, you can access your med pay benefits. Med pay is optional in Ohio. Check your policy to see whether or not you have med pay, and what the coverage limits are under your specific policy.
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