Does State Farm cover medical bills resulting from the accident?

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.

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?