MedPay Quiz

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What is MedPay in auto insurance?

An optional add-on that covers medical expenses regardless of fault. (correct)

A mandatory coverage required by law in all states.

A type of insurance that only covers damages to vehicles.

A discount program for safe drivers.

Which of the following expenses is typically covered by MedPay?

Legal fees incurred during an accident case.

Vehicle repairs and maintenance.

Hospital bills, doctor’s fees, and ambulance costs. (correct)

Property damage caused by an accident.

How does MedPay differ from liability coverage?

MedPay only covers medical expenses for the at-fault party.

MedPay covers medical expenses regardless of fault, while liability coverage only covers the other party’s expenses. (correct)

MedPay covers both medical and vehicle damage, while liability covers only vehicle damage.

MedPay is mandatory, and liability coverage is optional.

What is the typical range for MedPay coverage limits?

$1,000 to $5,000 (B) Signup and view all the answers

How does MedPay interact with health insurance?

MedPay can act as either a primary or secondary payer depending on the situation and actual policy language. (B) Signup and view all the answers

Who is covered by MedPay in an accident?

The policyholder, their family members, and any passengers. (B) Signup and view all the answers

What is a reimbursement clause in a MedPay policy?

A clause that requires the insured to reimburse the insurance company if they receive compensation from a third party. (B) Signup and view all the answers

Who typically receives the MedPay funds directly from the insurance?

Medical providers or sometimes the attorney. (C) Signup and view all the answers

When might MedPay funds be reimbursed directly to the client?

When the client has already paid for their medical expenses out of pocket. (A) Signup and view all the answers

In which scenarios can MedPay be particularly crucial?

In accidents involving uninsured or underinsured motorists (UM/UIM). (C), When no one is injured in the accident. (D) Signup and view all the answers

MedPay in auto insurance

An optional add-on covering medical expenses regardless of fault.

MedPay coverage examples

Covers hospital bills, doctor visits, and ambulances.

MedPay vs. Liability

MedPay pays your medical bills regardless of fault, while liability pays the other party's expenses.