MedPay is a benefit that may or may not be included in an individual’s automobile insurance coverage. The benefit is there to help pay your (or your passenger’s) medical expenses if there is a car accident. It is important to note that, if MedPay is available, it can be paid out to an individual regardless of fault. This type of coverage is optional and can be used to pay deductibles, co-pays, hospital visits, or other types of medical treatment.