Texas Auto Policies With Medical Payments Coverage


The aftermath of a car accident can leave many losses to restore including injuries sustained by the driver causing the accident and their passengers. Medical payments coverage in Texas is there to help you pay for expensive medical bills after a wreck, even when you’re at fault.

Liability coverage will help you pay for the medical costs of others but without medical payment coverage, you’ll be stuck paying for your medical expenses alone.

Furthermore, if you are responsible for the medical bills of others within your vehicle, these expensive costs could also lead to legal action only increasing your financial hurdle.

Learn how to protect yourself with medical payments coverage auto insurance and how to find protection for the lowest cost possible.


What Is Medical Payments Coverage in Texas?

Medical payments coverage applies to the medical expenses of drivers and their passengers after an accident.

Your protection will cover you even if you are at fault for the accident and can also cover you if you or your family are a pedestrian walking or riding a bike and are injured as well.

Texas is a state that offers personal injury protection (PIP) coverage to all drivers. Medical payments coverage is similar protection but offers a more narrow scope of protection.

While drivers who are looking to protect against more risks may see this as a negative, your policy limits are still there to help overcome spontaneous medical costs through a more affordable form of coverage.


How Much Medical Payments Coverage Do I Need in Texas?

You should carry enough medical payments coverage in Texas to cover your medical bills following an automobile accident and enough to cover the bills of your passengers.

As medical costs continue to rise, this figure can become a bit convoluted. The average cost of medical expenses after an automobile accident can easily reach several thousand per person.

This is exactly why for bodily injury coverage, Texas requires drivers to carry liability coverage with minimums of $30,000 per person with up to $60,000 per accident for others.

Medical payments coverage can come with different policy limits but will typically cover around $2,500-$5,000 worth of expenses.

Auto insurance medical payments coverage will help you pay for doctor visits and consultations, but for serious injuries, it may not be enough.

Because of this, there are a few considerations all drivers need to remember:

  1. Your medical payments coverage will still pay for more expensive medical procedures, however, your policy limits may end up leaving you paying for the rest out of pocket.
  2. If you are at fault and you and/or your passengers incur serious injuries, PIP coverage may be necessary.
  3. Medical payments coverage is great protection in the event you are in an accident with an uninsured or underinsured motorist.

Your coverage should be enough to help you avoid a financial crisis and help you receive the medical care you deserve.


Do I Need Medical Payments Coverage as a Texas Driver?

While medical payments coverage in Texas is not required, it’s worthwhile protection against rising medical costs.

The average cost per bodily injury claim averages around $15,506 according to data from 2017. It’s clear that medical costs have only risen higher since and will likely continue to do so for the foreseeable future.

If paying thousands upon thousands of dollars for medical expenses would be a severe financial hurdle, medical payments coverage is important coverage to consider.


What Is MedPay?

MedPay is another name for medical payments coverage, the coverage that helps you mitigate medical expenses for you and your passengers following an auto accident.

Your medical costs are also covered by MedPay in the event you are involved in an auto accident while you’re a pedestrian.

Because MedPay coverage is the same as medical payments coverage, you can expect your medical costs to be paid for by your coverage.


Texans Can Enroll in Personal Injury Protection (PIP) Coverage

Car insurance with medical payments coverage can help drivers overcome medical costs, but PIP coverage offers additional protection.

The main difference between medical payments coverage in Texas and PIP coverage is that PIP coverage will pay for more unexpected costs after your accident.

Here are some of the more broad costs personal injury protection will help you cover:

  • A wider range of medical costs including professional nursing.
  • Wages lost due to your injuries.
  • Medical devices (ex: prosthetics).
  • X-rays, specialty treatments, and necessary surgeries.
  • Physical therapy.

Each driver’s needs and risk tolerance are different. For the best results, you’ll need to discuss your coverage needs with your auto insurance agent.


Finding the Best Medical Payments Coverage in Texas

Automobile medical payments coverage helps cover medical expenses, but how do you know which option is the best for you?

Texas drivers all need the same thing, which is coverage that will help them overcome medical costs available at the lowest price possible.

Insurance providers all look at similar factors when determining how much you’ll pay for your coverage, but it’s the way they do it that can cause differing prices.

For example, each car insurance company will assess the likelihood of an accident around the city you live in, but not every brand will rate these risks the same.

Some brands will see the risks surrounding you as a driver as more severe than others and at the end of the day, drivers with less risk typically pay cheaper premiums.

Your best option is to shop around a wide variety of car insurance providers. By doing so, you’ll be able to identify which brand supplies you with the cheapest rates on the market for the coverage you need.


Cheap Medical Payments Coverage for Texas Drivers


What’s the point of having medical coverage that is meant to save you money if you have to overpay for it through premiums?

Here at Freedom Insurance Group, we help our clients find the right protection at the lowest price available.

By working with over 25 of the top-rated insurance companies in Texas our insurance center helps agents help drivers save an average of 40%.

We can compare your coverage and apply it to a wider range of auto insurance products and discounts all while providing bundling opportunities for your homeowners insurance and auto coverages.

See how much you can save by asking an agent or getting your free car insurance quote for an accurate estimate on medical payments coverage in Texas and all of your auto insurance needs.

Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769


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