Moon Insurance Managers, Inc.
Menu
Tel. (281) 484-8320

Texas insurance glossary

Medical payments

Medical payments coverage pays medical and funeral expenses for the insured and their passengers after a crash, regardless of who was at fault, up to a stated limit.

Sources checked

It is the narrower of the two fault-free auto coverages Texas sells. Personal injury protection pays medical costs and a share of lost income; medical payments pays medical costs alone.

It is usually bought in small limits and pays alongside health insurance rather than instead of it, which makes it most useful against deductibles and co-pays in the first weeks after a crash.

Which of the two is actually on a policy is answered by the declarations page, not by the agent’s memory or the household’s.

Sources: TDI — automobile insurance guide (CB020); Tex. Ins. Code § 1952.152 — personal injury protection coverage required. Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • PIP PIP, or personal injury protection, is auto coverage that pays the insured’s own medical expenses and a share of lost income after a crash regardless of who was at fault.
  • Declarations page The declarations page is the summary at the front of a policy naming the insured, the vehicles or property, the coverages, the limits, the deductibles and the term.
  • Deductible A deductible is the amount of a claim the policyholder keeps: the insurer pays the covered loss above it, and nothing at or below it.
  • Liability coverage Liability coverage is the part of an auto policy that pays other people for injury or damage the insured driver causes; it repairs nothing belonging to the insured.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

Request an auto quote Back to the glossary