For most people injured in a motor vehicle collision, their first thought is not “I better engage the medical payments provision of my auto liability policy.” Many Humboldt County drivers are either unaware of their own medical payments coverage (“med pay”) in their auto policies, or unfamiliar with how to invoke it and what it covers.
Med pay is coverage under a driver’s auto liability policy which pays for medical expenses incurred as a result of an injury sustained in a motor vehicle collision. It is a separate category of coverage under a driver’s automobile liability policy, and should not be confused with a person’s health insurance coverage (which might be through a person’s employment).
