What is medical payments coverage on my auto insurance

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Medical Payments coverage on your personal auto policy is not required by New York State.

You should however carry some form of Med pay coverage to help protect you if that one scenario happens.

Medical payments coverage will pay the medical expenses associated from an auto accident no matter who is at fault when alcohol or drugs are involved.

In New York you forfeit your rights to your No Fault Coverage or your personal injury coverage if drugs or alcohol were in play.

If you bought insurance online yourself you probably didn't add this coverage. Make sure you look into adding it as the annual cost usually is less than a cup of coffee.
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