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Medical Payments Coverage for Teen Drivers

Medical Payments Coverage (MedPay) pays medical expenses for you and your passengers after an accident, regardless of who's at fault.

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What Is Medical Payments Coverage Insurance?

Medical Payments Coverage pays medical and funeral expenses for you, your teen driver, and any passengers injured in your vehicle, regardless of who caused the accident. It covers hospital bills, doctor visits, ambulance fees, surgery, X-rays, and dental work resulting from the crash. Unlike liability coverage that pays for other people's injuries when your teen is at fault, MedPay covers your own family's medical costs immediately — no waiting for fault determination or the other driver's insurance to process claims. This makes it particularly useful when your teen driver is learning and may cause minor fender-benders where they sustain injuries.

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Who Needs Medical Payments Coverage Insurance?

It's especially worthwhile if your teen frequently drives friends, since MedPay covers all passengers and protects you from potential lawsuits from other parents whose children are injured in your teen's vehicle. Families without health insurance should treat MedPay as essential, as it's the only immediate medical coverage after an accident.

If you have low-deductible health insurance and want to minimize the already-high cost of insuring a teen driver, you can reasonably skip MedPay and accept the health insurance route for injuries.

How Much Does Medical Payments Coverage Insurance Cost?

Teen driver's age and experience — newly licensed 16-year-olds see higher MedPay premiums than 19-year-olds with three years of clean driving
Number of drivers on the policy — adding MedPay to a policy with multiple teens costs more than a single teen
Vehicle type — MedPay for a teen driving a sedan costs less than for a teen in a sports car or large SUV
Geographic area — urban areas with higher medical costs see higher MedPay premiums than rural regions
Claims history — families with prior medical payment claims may see slightly higher rates

Related Coverage Types

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Liability Insurance→

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Full Coverage→

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Find the Right Policy for Your Teen

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