You have choices when it comes to med pay. Of course, if you don’t ask about them, no one will tell you about them.
Some of the basic choices are whether the med pay coverage is primary or excess. Primary means that they pay before any other insurance you may have, such as health insurance. Excess means that they pay after any other insurance pays. Which is better? It depends on your situation.
You also have choices regarding reimbursement. Some insurance companies are now offering a choice as to whether you have to reimburse them upon settlement of a claim with the other party. Of course, not reimbursing them costs more, but it is not much more in terms of premium. Some insurance companies are not offering any choices, but you have to check with your agent.
When shopping for auto insurance, ask about med pay coverage. You may have choices that you did not know about. This coverage can provide important protection for you and your family.