Each state has different insurance coverage requirements and the same goes for driver preferences when it comes to the level of coverage that they require.

Most drivers prefer covering the car body which would take care of any costs arising due to a car crash.

Other drivers would rather cover the costs of their own person. This means that they place their own health above the worth of the car and want to make sure that their medical and health expenses will be taken care of in the event of a car accident.

That’s the difference between PIP and Med Pay.

PIP stands for Personal Injury Protection while Med Pay means Medical payments, and both plans offer some form of medical expense cover.

However, they are both unique in the benefits that they offer and you must understand the distinctions between the two if you want to maximize your coverage.

What is PIP Coverage?

PIP covers the expense of medical costs as well as any costs resulting from your injuries. This is regardless of who the party at fault is. It could be you or it could be the other driver. It doesn’t matter.

Each state has a different level of PIP cover.

Based on your particular state, PIP could cover:

  • Loss of income
  • Losses for surviving dependents
  • Childcare expenses
  • Funeral costs
  • Chiropractic services
  • Psychiatric treatment
  • Rehabilitation
  • Dental care
  • Prostheses
  • X-rays
  • Hospitalization
  • Ambulance transportation


How PIP insurance works in Florida is that it goes as far as to cover loss of income.

This means that if you have to miss work or even lose your job due to severe accident injuries, then PIP may help to supplement your income as you continue to recover financially in various ways.

What is Med Pay Coverage?

Although Med Pay isn’t as comprehensive as PIP it does cover the policyholders as well as the passengers that may have been involved in the accident, and any members of your family or household.

But, Med Pay only covers surgical care or medical care that is directly related to the car accident injuries.

With Med Pay, you’ll get cover for:

  • Funeral expenses
  • Dental care
  • Hospital expenses
  • Medical expenses

Med Pay isn’t designed to help pay for losses of surviving dependents, loss of income, childcare, or psychiatric treatment.

However, Med Pay may supplement your existing standard health insurance and it can even cover the deductible on your health plan depending on your situation, in addition to other out-of-pocket medical expenses that aren’t included in your health plan.

Med Pay is also unique in that it doesn’t have copay or deductibles and it’ll cover you even if you’re injured as a passenger or while taking public transport or get hit by a driver while cycling, walking, or jogging.


Well, there you have it! Those are the main differences between PIP and Med Pay, as well as where you stand in relation to both.

We hope you understand and know which option is best for your needs.

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