available 24/7
available 24/7
partner
People often confuse personal injury protection (PIP) insurance with Wisconsin’s MedPay coverage. Although PIP insurance is not currently offered in Wisconsin, MedPay, which is another type of optional coverage, is available in the state and may benefit you after a car crash. Like PIP insurance, MedPay covers you even if you are at fault.
Below, the experienced car accident lawyers at PKSD provide more information on this optional protection and how it may benefit you after an accident.
If you were injured in a collision caused by another driver, contact us for a free, no obligation consultation to discuss your legal options and potential for pursuing compensation from the at-fault party.
There are distinct differences between PIP and MedPay insurance. However, since (PIP) insurance is not offered in Wisconsin, we will primarily focus on what MedPay coverage provides if you are involved in a car crash.
At a high level, both MedPay and PIP provide additional medical coverage if you are injured in a car accident, regardless of who caused the crash. Those moving to Wisconsin from out-of-state may be more familiar with PIP.
MedPay is also optional, however, your insurance company is required to offer it to you. If you choose not to get this coverage, you must reject it in writing. If purchased, the amount of coverage provided depends on what you purchased as part of your overall car insurance policy.
Although PIP includes more extensive types of coverage, such as for loss of income if you were unable to work while recovering, it is often more costly to purchase and may also have a deductible. There is no deductible requirement with MedPay.
If you have purchased MedPay and you or your passengers are injured in a car crash, it will provide additional coverage for medical bills and funeral/burial expenses if:
MedPay covers your medical expenses, as well as those of any passengers in your vehicle who suffer injuries in the accident.
Some of the expenses covered by MedPay insurance may include:
In Wisconsin, MedPay insurance is not required by law. However, since this coverage follows the policyholder, and not the car, it more than pays for itself. For example, if you are injured in an accident while riding as a passenger in a friend’s car, MedPay will reimburse you for your medical costs.
If you purchase this optional coverage on top of your required car insurance, you must purchase a minimum of $1,000, although you can purchase more. We strongly recommend considering higher limits as this coverage offers enhanced protection should you be involved in an accident. If you are severely injured, the other driver’s insurance coverage could run out much faster than you might think.
If you are the at-fault driver in an accident, you are accountable for all accident-related damages. If you had passengers, they may pursue claims against your insurance. MedPay offers extra coverage for those damages, beyond what may be available in your liability coverage.
If you run out of insurance coverage, you are financially liable for the rest of any accident victims’ damages.
If you were injured in a car accident caused by another party, you may be eligible to recover compensation for certain damages, including medical bills, lost wages, and pain and suffering.
At PKSD, our top rated car accident lawyers help victims pursue maximum compensation for injuries received as the result of another’s negligence.
Request your free, no-obligation consultation today to discuss your potential claim and legal options. There are no upfront costs, because we do not get paid unless we recover compensation for you.
Call 414-333-3333 or complete our Free Case Evaluation form.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by attorney Jeffery A. Pitman, who has more than 28 years of legal experience and handled thousands of personal injury cases while obtaining millions of dollars in verdicts and settlements in Wisconsin, Illinois, Iowa and New Mexico.
What Is the Definition of Distracted Driving? Key Takeaways Distracted driving means operating a vehicle while compromising safe control. It includes actions diverting attention,...
Key Takeaways A side-by-side accident involves a UTV crash or rollover causing serious injury. Side by sides are not designed for paved roads or...
Key Takeaways A sideswipe collision involves side contact between vehicles traveling parallel or opposite directions. These crashes often occur during unsafe lane changes, merging,...
