Medical Payments (MedPay) coverage pays the cost of necessary medical care you receive as a result of a snowmobile accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.
You sustain $2,000 in injuries from a fall off your snowmobile when you turned too quickly. You do not have any health insurance, which means you can use your MedPay coverage, up to the $1,000 limit you selected, for your injuries. The other $1,000 in medical bills must be paid by you.