In an effort to reduce the amount of a car insurance premium, many people look at MedPay as an option to remove. MedPay can actually be worth keeping and many people may even want to considering increasing its amount, rather than reducing it. When seeking a settlement, it can be a long time until you see any compensation. Your own health insurance may provide coverage but this may be after deductibles and co-pays are met. With MedPay, medicals bills are taken care of up to the coverage limit that you have. You are protected, as well as your family or others that were driving in your vehicle. There is no deductible or co-pay and coverage is offered regardless of who is at fault, as well as regardless of who was driving. Coverage continues whether you are driving with someone else, walking or taking public transportation.