Medical Payments Coverage in Knoxville, TN and Madisonville, TN

Medical payments (MedPay) coverage is an optional policy that may help drivers cover accident-related medical costs.  

Medical payments coverage premiums may vary depending on the insurer you choose. The Mike Dyer Agency can help you get the coverage you need at a great rate.  

What Is Medical Payments Coverage? 

MedPay can help cover medical expenses for you, your insured family members and your passengers after an auto accident, no matter who was at fault. A typical MedPay policy may help cover the following accident-related costs: 

• Medical treatment, including doctor’s visits, surgeries and procedures
• Rehabilitation
• Funeral costs
• Dental care
• Medical deductibles and copays not covered by health insurance
• Ambulance costs
• Extended nursing services 
• Hospitalization 

MedPay insurance helps cover accident-related medical care costs up to the policy’s limits. Talk with your agent to determine how much MedPay coverage you may need to add to your auto insurance policy.  

Do I Need Medical Payments Coverage? 

MedPay is optional for Tennessee drivers, but your agent may recommend adding this coverage to your auto policy, depending on your situation.  

Tennessee drivers must carry proof of financial responsibility (e.g., minimum liability insurance coverage) to help pay third-party property damage and bodily injury claims after an at-fault accident. If you finance or lease a vehicle, the lienholder usually also has insurance requirements, which may include collision, comprehensive and gap insurance to help cover damage to the vehicle.  

Medical Payments Vs. PIP 

Personal injury protection (PIP) provides an alternative way to cover accident-related medical bills, but this coverage is unavailable to Tennessee drivers.  

How to Get MedPay Coverage 

MedPay coverage can help you tailor your auto insurance coverage to meet your future needs. Contact the Mike Dyer Agency in Knoxville, Dayton, Madisonville and Kingston, Tennessee, to get started building your custom auto insurance package.