I get where you’re coming from—nobody wants to pay for something they might never use. But here’s the thing: med pay isn’t always about doubling up, it’s about how fast and hassle-free you get paid. Health insurance can drag its feet, or stick you with deductibles and co-pays. Med pay usually kicks in right away, no questions asked, and can cover stuff like dental work or even funeral expenses after a crash. That’s not always true with regular health plans.
Also, if you’ve got passengers who aren’t on your health insurance, med pay covers them too. I’ve seen folks get stuck with bills for friends or family after an accident because their health plan didn’t extend coverage.
It really comes down to how much you value convenience and peace of mind versus saving a few bucks each year. For some people, that quick payout is worth it just for the lack of paperwork headaches... but yeah, if you’re comfortable with risk and have a solid health plan, skipping it isn’t crazy either.
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
I get the appeal of med pay for quick payouts, but I’d just add a word of caution—sometimes folks end up paying for coverage they already have elsewhere and never actually use it. If your health insurance is solid and you rarely have passengers, it might be worth double-checking what’s already covered before adding another line item to your bill. I’ve seen people surprised by how much overlap there is, especially if they’re already paying for accident coverage through work or supplemental plans. Just seems smart to review all your policies side by side before deciding.
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
Totally agree that overlap is a real thing—seen it more than once. But here’s where med pay can actually make sense:
- High deductibles on your health insurance? Med pay can cover those gaps.
- No health insurance at all? Med pay’s a lifesaver.
- You drive with kids or friends a lot? Covers their injuries too, not just yours.
- Some states have weird rules about who pays first—med pay can speed things up.
Honestly, it’s not always worth it, but sometimes it plugs holes you didn’t know you had. Just gotta read the fine print... and maybe squint a little.
Totally get what you’re saying about the fine print—insurance always feels like a maze. I’m still on my parents’ health plan (for now), but my deductible is kinda high, so I actually looked into med pay. The extra few bucks a month seemed worth it just for peace of mind if something weird happens. Honestly, if you’ve got solid health coverage and barely drive anyone else around, I’d probably skip it. But for us broke students with sketchy coverage? Could be a smart move.
Yeah, med pay can be a lifesaver if your health insurance has a high deductible or spotty coverage. Here’s how I look at it:
- If you’re on a tight budget and your health plan isn’t great, med pay can bridge the gap for not much extra per month.
- It covers you and your passengers, regardless of fault, which is huge if you drive friends around.
- If you rarely have passengers and your health insurance is solid, it might not be worth it.
I’ve had a fender bender where med pay covered my urgent care bill—saved me a ton of hassle. For students or anyone with iffy insurance, it’s honestly not a bad safety net.
