Medical payments coverage is an optional coverage that you can purchase as part of your automobile insurance policy. "Med pay" is a no-fault coverage, which means that the driver and/or passengers of your vehicle are entitled to the medical benefits regardless of who was at fault for the accident. The coverage will reimburse you or your passengers for medical expenses up to the policy limits. Because the liability insurance carrier of the other driver will most likely pay you nothing until your case is resolved, medical payments coverage can be a nice way to help you pay your medical expenses while your case is pending. Many hospitals and medical providers don't want to wait to get paid until your case settles, so medical payments coverage can really help you keep your medical providers happy while your case is open.