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Medical Payment coverage, also known as Medpay, is a supplemental ‘No Fault’ coverage available to you through your Auto Insurance Company. This means, it pays for medical costs, and even funeral costs, from injuries sustained while in a vehicle. And since it is a “No Fault” policy, using it will not affect your rates. It is important to remember that it also applies to your passengers … for example, children, grandchildren or neighbors and family members.

Verify that you have sufficient Medical Payments coverage by contacting your Insurance Agent. This coverage is often an overlooked area on your auto insurance policy. Your agent should be able to explain your options. The amount of coverage one should have depends upon things such as Health Insurance deductibles or co-pays. For those without health insurance or high deductibles, it is often wise to maximize your Medical Payments to help limit your Out-of-Pocket expenses in the event of an accident.

When an accident occurs there can be a hesitation to seek medical care due to confusion, the thought of the long waiting times and the out of pocket expense associated with seeking care at a hospital. One of the best ways to protect yourself is by visiting a professional Chiropractic Physician, like the ones at Smart Pain Solutions, who accept medical payments. Many Urgent Cares and Emergency Rooms also take Medpay, if you just ask.

I hope this helps clarify some of the “ins and outs” of Medical Payments Coverage.

Bruce Jenkins
American National Property and Casualty
2460 Executive Dr., Suite 105, St. Charles, MO 63303
Ofc: 636-487-0415  Fax: 636-352-1215 Cell: 314-306-1685

For more information or help, you can google ‘Bruce Jenkins – American National ‘or visit the website at :

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