Colorado · MedPay pays medical bills, not the other driver
Medical payments is optional. It can pay medical and funeral expenses for you and your passengers after a crash, without a fight about fault. It is not liability, and it is not PIP.
Colorado’s auto floor is $25,000 per person and $50,000 per accident for bodily injury, and $15,000 for property damage. That liability pays other people when you are at fault. MedPay is a different line. It pays covered medical and funeral expenses for the people the endorsement names, usually you and passengers in your car, up to a dollar limit you bought. It does not wait on who caused the crash. It does not repair the car. It does not pay the other driver’s hospital bill. That is still liability, and only up to the limit. This page will not invent a typical MedPay dollar amount. The declarations print it.
The Colorado floor: how drivers stay legal. The MedPay pages: Colorado medical payments and, for the coverage idea on a Texas form, what MedPay is.
