An auto policy may provide additional coverage to cover your medical bills, regardless of who was at fault for the accident. The insurance company will pay reasonable and necessary medical expenses up to the limit of coverage as the bills are incurred under the “med pay” provision of the policy. In Missouri, there is no right of subrogation for med pay funds. In other words, the other drivers insurance does not get a credit for the amount collected from your med pay funds and likewise, your insurance does not get reimbursed or paid back at the time of settlement from the other drivers insurance company. Claiming coverage under your car’s med pay coverage may result in a greater net in pocket to you when your case is settled.