Medical payments coverage, or “med pay” as it commonly referred to, can provide very important financial benefits if you or your loved ones are injured a car accident. Med pay can be used to help pay the medical bills for you and anyone else who is in your car at the time of an accident. It is important to remember that med pay applies even if you were not at fault. If you already have health insurance to pay your medical bills, you can even use med pay to cover your co-pays and deductibles to reduce or eliminate your out-of-pocket medical expenses. In addition, med pay may even apply if you were not in a car at the time of the accident–for example, if you were on a bicycle or you were a pedestrian when you were hit by a car. If you don’t know whether you have med pay, read your auto policy and make sure you have it. If you don’t know how much med pay you should have, talk to your insurance agent to find out the level that is right for you.