Medical Payments Coverage—commonly called MedPay—is an optional benefit you can add to your auto insurance policy. Unlike liability coverage (which protects others if you cause a crash), MedPay is first-party coverage, meaning it protects you and your passengers.
If you’re injured in a car accident—regardless of who was at fault—MedPay can help pay for:
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Emergency room visits
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Doctor’s appointments
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Co-pays and deductibles
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Prescription medications
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Medical equipment and rehabilitation
In Colorado, MedPay typically provides at least $5,000 of immediate coverage for medical expenses. It’s especially valuable because:
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It pays right away, instead of waiting for a settlement or trial.
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It covers you even if the at-fault driver doesn’t have enough insurance.
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It can reduce your out-of-pocket costs and prevent bills from going to collections.
MedPay works alongside your health insurance, helping to fill gaps and cover expenses your health plan may not fully pay. For many people, it is one of the most important protections available in an auto insurance policy.
Can You File a Med-Pay and an UM/UIM Claim?
Since Colorado is a fault state, collisions with uninsured motorists can pose several challenges to injured drivers. Med-pay is a separate policy from uninsured/underinsured motorist coverage (UM/UIM), which often covers damages such as medical expenses, lost wages, and pain and suffering. Drivers can purchase separate med-pay and UM/UIM policies in addition to required liability coverage.
For a free legal consultation, call (303) 465-8733
When dealing with insurance companies, it’s important to remember that it is not in the company’s best interest to provide maximum compensation. An insurance company will not provide multiple payouts for the same accident, so if a policyholder seeks coverage through med-pay, he or she cannot file a subsequent under UM/UIM.
Filing an insurance claim can be very complex, especially if multiple insurance policies are involved. If you are in a car accident in Denver, Colorado, speak with an attorney as soon as possible. Your lawyer will review your insurance policy, investigate your claim, and advise on your strongest pathways to optimal compensation
