What Medical Payments Coverage Is
Medical payments coverage — called MedPay — pays medical bills for you and your passengers after a car accident, regardless of who caused it. Mississippi does not require it. The state mandates $25,000 bodily injury liability per person and $50,000 per accident, plus $25,000 property damage liability, but MedPay is optional.
It pays before your health insurance deductible kicks in, covers passengers who ride in any vehicle on your policy, and applies no matter who was at fault.
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Get Your Free QuoteMississippi Minimum Liability
$25,000 / $50,000 / $25,000
Mississippi requires $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. These minimums do not include medical payments coverage — MedPay is a separate optional coverage you add to meet out-of-pocket medical costs.
Mississippi Code Title 63 Chapter 15
How MedPay Works When You Carry Health Insurance
MedPay pays first. Your health insurance pays second. You avoid paying the deductible out of pocket.
This matters for households with multiple vehicles because every car on the policy can carry MedPay. The coverage follows the vehicle, not the driver. A household member riding in your second car is covered by that car's MedPay even if their own vehicle sits on a different policy.
MedPay also covers ambulance fees, emergency room visits, surgery, X-rays, dental work caused by the accident, and funeral expenses up to the policy limit. It does not cover lost wages or pain and suffering — only direct medical costs.
Mississippi's 28.2% uninsured motorist rate means one in four drivers you share the road with carries no insurance. MedPay pays your bills immediately while you wait for the at-fault driver's liability claim to process.
When MedPay Makes Sense for Multi-Vehicle Households
MedPay also pays when health insurance does not: passengers who are not on your health plan, out-of-network emergency care, and ambulance transport that health plans often cap or exclude. For households that frequently transport extended family, carpool participants, or teenage passengers, MedPay covers people your health insurance will not.
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How MedPay Interacts With Liability and Uninsured Motorist Coverage
Mississippi does not require uninsured motorist coverage, but 28.2% of Mississippi drivers carry no insurance. If an uninsured driver hits you, your MedPay pays your medical bills immediately. You do not wait for a liability claim to settle or for the at-fault driver to be identified. The coverage activates the moment you receive treatment.
Bodily injury liability covers the other driver's medical bills when you cause an accident. MedPay covers your own bills and your passengers' bills regardless of fault. The two coverages do not overlap. If you cause an accident and injure yourself, your liability coverage does not pay your bills — MedPay does.
Households insuring multiple vehicles often assume liability coverage is enough. It is not. Liability pays the other party. MedPay pays you and anyone riding with you, in any vehicle on your policy, whether you caused the crash or not.
Mississippi Uninsured Motorist Rate
28.2%
More than one in four Mississippi drivers carries no insurance. When an uninsured driver causes an accident, MedPay pays your medical bills immediately while you pursue recovery from the at-fault party.
Insurance Research Council, 2023
Choosing a MedPay Limit Across Multiple Vehicles
Match your MedPay limit to your health insurance deductible.
When you insure multiple vehicles, ask whether the per-vehicle MedPay premium drops after the second car. Most carriers reduce the marginal cost once you add MedPay to more than one vehicle on the same policy.
Compare Carriers That Write MedPay for Multi-Car Policies
Not every carrier writing in Mississippi offers the same MedPay limits or the same multi-vehicle discount structure. Geico, Progressive, State Farm, Allstate, and Farmers all write MedPay, but the per-vehicle cost and the discount for adding it to multiple cars vary. Request quotes that show the per-vehicle MedPay premium separately so you can see the marginal cost of adding coverage to your second and third cars. Compare the total policy premium with and without MedPay across at least three carriers that write multi-car policies in Mississippi.