Medical Payments, PIP, and No-fault coverages Medical payments (MedPay) coverage will pay for you and your passengers medical expenses after an accident. These expenses can arise from accidents while you are driving your car, someone elses car (with their permission), and injuries you or your family members incur when you are pedestrians. The coverage will pay regardless of who is at fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her.
