Adding Medical Coverage to Your Auto Insurance with AAA

What Is Medical Coverage in Auto Insurance?

Medical coverage, often called Medical Payments (MedPay) or Personal Injury Protection (PIP), pays for medical expenses when you're injured in an auto accident. It can cover hospital bills, doctor visits, and rehabilitation, regardless of fault.

Why AAA Offers This Coverage

AAA's auto insurance products bundle MedPay or PIP to give members comprehensive protection. Adding it helps avoid out‑of‑pocket costs and provides peace of mind, especially for families or drivers with high medical expenses.

Steps to Add Medical Coverage via AAA

• Check Existing Policy – Review your current auto policy to see if MedPay/PIP is already included.
• Contact AAA – Call the member service line or log in to your online account to request an add‑on.
• Select Coverage Limits – Choose an appropriate limit (e.g., $5,000, $10,000, $25,000). Higher limits increase premiums.
• Review Premium Impact – AAA will provide an updated quote showing the incremental cost.
• Confirm and Pay – Approve the new coverage and complete payment to activate the add‑on.

Cost Factors

The premium increase depends on coverage limits, your driving record, vehicle type, and location. Typical annual increases range from $30 to $150 for most drivers.

When Medical Coverage Is Worth It

Consider adding it if you:

• Live in a state with high medical costs.
• Have a history of medical claims.
• Prefer a single deductible for all injuries.

How It Works After an Accident

Once activated, MedPay/PIP pays for medical expenses up to the policy limit. It does not cover pain, suffering, or lost wages—that's typically handled by liability or uninsured/underinsured motorist coverage.