What does 'medical payments' (MedPay) coverage on a PAP cover?

Medical Payments coverage (MedPay) on a PAP pays reasonable medical and funeral expenses for the named insured, family members, and passengers in the insured's vehicle, injured in an auto accident regardless of fault. Limits are typically modest ($1,000-$25,000 per person). MedPay is no-fault — it pays the insured's own people without determining who caused the accident. It can also cover the insured as a pedestrian or while occupying others' vehicles, depending on the policy. MedPay is similar to but separate from Personal Injury Protection (PIP) used in no-fault states; PIP typically has broader coverage (medical, lost wages, rehab, sometimes death benefits) while MedPay is medical-only. MedPay coordinates with health insurance — the insured may not 'double dip', though MedPay can cover health insurance deductibles and copays, making it valuable even for insured individuals. MedPay is required in some states, optional in most.