Texas auto · MedPay is not PIP
Medical payments coverage pays eligible medical bills for you and your passengers, up to the limit on the declarations. It is not liability, not health insurance, and not the same as personal injury protection.
Bodily-injury liability pays other people when you are at fault. It does not pay your own hospital bill. MedPay, when the form includes it, is first-party. Many personal auto forms pay reasonable medical and funeral expenses from a car crash without a fight over who was at fault, up to a per-person limit, and only for the people the form names. The time window and the paperwork are in the endorsement. This page will not invent a dollar limit or a number of years. Texas personal injury protection is the broader first-party benefit. TDI says every Texas auto policy includes PIP, and you reject it in writing if you do not want it. PIP can pay medical bills and also lost wages and other nonmedical costs. This page will not invent a wage percent. MedPay is the narrower medical benefit. Buying one does not replace the other unless the declarations say so.
The rest of the auto contract: car insurance in Texas, what it covers, and how much. Liability is the other check: liability versus full coverage and liability only. The other driver: UM/UIM. Policy facts: important policy facts. The product: Texas auto.
