Yes, in most cases. However, it’s impossible to give a single definitive answer to this question because medical payments insurance protection varies.

How Medical Payments Insurance Works

Here’s how it would work if your medical payments insurance does pay for deductibles (and co-pays).

Let’s say you’re injured in a serious car accident, and accumulate $10,000 of health-related expenses. You have a $3,000 health insurance deductible.

But, you also have $5,000 of medical payments coverage with your auto insurance. So, your medical payments insurance would take care of your $3,000 deductible. Then, your health insurance kicks in. If you have a co-pay with your health insurance, you still have $2,000 from your medical payments insurance to use to cover them.

What Does Medical Payments Insurance Cover?

This type of auto insurance covers many items that are protected under your health insurance policy, like doctor’s visits, X-rays, emergency room visits, and prescription drugs.

But, it also can cover expenses that may not be covered, like dental care, home nursing services, and chiropractor services. And, it can pay for other costs that definitely won’t be on your health insurance plan, such as your insurance deductible, co-pays, and funeral costs.

Medical payments insurance can apply to passengers in your car. It also works even if you’re a pedestrian or biker who’s struck by a car.

And, medical payments protection applies even if you caused the accident.

Some states require this coverage in order to drive a vehicle or register a car. Meanwhile, some states don’t even permit this type of car insurance. Contact your insurer for availability details in your state.

Where Can I Buy Medical Payments Coverage?

Although it offers a lot of protection, this insurance is relatively cheap, and most car insurance carriers sell it. However, it’s still a good idea to shop around and compare liability auto insurance rates for this and other types of car insurance.