Detailed answer — claiming MedPay under Massachusetts auto insurance

What MedPay covers: Medical payments coverage (MedPay) is part of many auto policies and pays for reasonable medical and sometimes funeral expenses for you and your passengers after an auto accident, regardless of who caused the crash. In Massachusetts many drivers also have Personal Injury Protection (PIP) or other medical benefits in their policies; how MedPay interacts with those benefits depends on your specific policy language.

Step 1 — Confirm you have MedPay and understand your policy

Locate your insurance declarations page or contact your insurer. Look for a section labeled “Medical Payments,” “MedPay,” or “Personal Injury Protection (PIP).” Note: PIP and MedPay are different coverages. PIP may be mandatory or part of the policy in some situations and often provides broader, no‑fault benefits. MedPay is usually optional and pays limited medical expenses up to a stated limit (for example, $1,000–$10,000, depending on your policy). Check your deductible (if any) and the coverage limits.

Step 2 — Get prompt medical treatment and keep records

See a doctor right away after the crash. Insurance companies commonly require timely treatment to approve medical benefits. Keep all medical records, itemized bills, receipts, prescriptions, diagnostic test results (X-rays, MRIs), and any statements from treating providers that tie the treatment to the accident.

Step 3 — Notify your insurer and/or the insurer listed on the policy

Call your insurance company (or the policyholder’s insurer, if you were a passenger) as soon as possible to report the claim. Most policies require prompt notice of an accident. Ask for the claim number, the name of the adjuster assigned to your file, and how to submit medical bills and claim forms.

Step 4 — Complete the insurer’s claim forms and submit documentation

Insurers will usually send or post a claim form. Fill it out completely and submit the following:

• A signed claim form or authorization to obtain records;
• Police report or accident report if you have one;
• Medical records and itemized bills reflecting treatment related to the crash;
• Proof of identity and relationship to the insured (if you are not the policyholder);
• Any proof of payment you already made (receipts, co‑pays).

Step 5 — Understand coordination of benefits and subrogation

Your MedPay benefits may coordinate with PIP or with your health insurance. In many cases MedPay pays first for covered auto-related medical expenses up to your limit, then other coverages apply. Also, insurers that pay MedPay often have subrogation rights: if you later recover money from an at-fault driver (settlement or judgment), the insurer may seek reimbursement for the amounts it paid. Keep records of any third‑party claims or settlements and tell your insurer.

Step 6 — Monitor the claim, respond to requests, and, if necessary, appeal

Stay in regular contact with the adjuster. If the insurer denies or reduces your claim, ask for a written explanation and the basis for denial. Many companies have an internal appeal process. If your dispute remains unresolved, you can file a complaint with the Massachusetts Division of Insurance (https://www.mass.gov/orgs/division-of-insurance) or consider contacting an attorney.

Timing and deadlines

Deadlines vary by insurer and policy. Provide notice and submit bills quickly. Delaying care or delaying submission of bills can be a basis for denial. If you plan to seek payment from an at-fault driver, Massachusetts has statute of limitations for personal injury claims; seek legal advice to preserve your rights.

When to consider legal help

Hire a lawyer if the insurer denies coverage improperly, if the benefits are unreasonably delayed, if the subrogation demands are confusing or unfair, or if your injuries are serious and you will pursue a third‑party claim. An attorney can help protect your recovery and negotiate with insurers.

Resources: The Massachusetts Division of Insurance provides consumer information on auto insurance, coverage types, and complaint procedures: https://www.mass.gov/orgs/division-of-insurance. For general statutes and rules related to motor vehicle insurance, consult the Massachusetts General Laws and regulations through the state legislature’s website.

Disclaimer: This article explains general steps and common practice. It is not legal advice. For advice about your specific situation, consult a licensed Massachusetts attorney or contact the Massachusetts Division of Insurance.