Does State Farm cover medical bills resulting from the accident?

What if I have medical bills resulting from the accident? Our State Farm Insurance Review explains the options for additional insurance coverage to pay medical bills from an accident.

You can consider Medical Payments Coverage (MedPay), Personal Injury Protection (PIP), and uninsured/underinsured motorist (UIM) coverage if UIM is offered in your state. Depending on the details of the car accident, MedPay or PIP and UIM insurance may help pay medical bills.

State Farm Medical Payments Coverage

To have coverage for medical bills up to the policy limit, medical payments (MedPay) coverage is optional insurance you want to have. MedPay pays you and your passenger’s medical costs for any injuries sustained in a covered auto accident.

If it’s required in your state, MedPay is included as part of full coverage car insurance.

MedPay limits may range from $1,000 to $10,000, so you can choose how much insurance coverage for medical bills you require. Many policyholders like to have the same amount of MedPay limit as their health insurance deductible.

MedPay pays out-of-pocket expenses for their health insurance deductible when they have this coverage. There are also things, like dental work, where MedPay will cover what is not covered by health insurance.

MedPay covers the cost of the ambulance, emergency room, doctors, hospital stays, nurses, and treatments for injuries. The one thing MedPay does not cover is lost wages. To cover lost wages, you need PIP.

State Farm Personal Injury Protection for Medical Bills

State Farm is on the list as the best Personal Injury Protection (PIP) car insurance company. PIP is “no-fault” insurance, which pays no matter who caused the accident.

PIP covers more things than MedPay but has a deductible. It covers any injuries if you are hit by a car when walking or bike riding. PIP is either optional or may be required in different states.

What PIP Insurance Covers

Here are some examples of what State Farm PIP insurance covers for an auto accident injury:

• Ambulance fees
• Medical bills
• Hospital bills
• Lost wages
• Physical therapy
• Childcare
• Funeral expenses for fatalities caused by the car accident

PIP or MedPay is required in 12 no-fault states to cover medical bills for any injuries from an auto accident. It is a good idea to check with your agent to ensure you have the proper coverage required by state law. (For more information, read our “Does car insurance cover medical bills?“).

State Farm Uninsured/Underinsured Motorist Coverage for Medical Bills

One in eight drivers do not have any car insurance. This is a serious problem. Having MedPay or PIP is a good idea, and you should also consider having uninsured/underinsured motorist (UIM) coverage.

Getting UIM from State Farm or another one of the best uninsured motorist (UM) coverage car insurance companies ensures you have sufficient insurance protection for hit-and-run and uninsured or underinsured motorists.

UIM covers your damages that includes your medical bills. UIM coverage may also cover vehicle damage, depending on where you live.

Get State Farm to Cover Medical Bills Resulting from an Accident

To have full insurance protection from State Farm, you want all the offered coverage choices: liability, collision, and comprehensive. You also want to add MedPay or PIP and UIM coverage to ensure that State Farm covers medical bills resulting from an accident.