Med Pay, also known as medical payments coverage, is a type of optional insurance coverage that can help pay medical bills for injuries sustained in a car crash. Having Med Pay as part of your auto insurance coverage means that your own automobile insurance policy will cover your medical expenses whether you caused the accident or the accident was caused by the other driver. On the other hand, in Florida, anybody who has a license and has insurance has what’s called personal injury protection (PIP). It is part of Florida’s no-fault law and it pays for the first $10,000 of any medical treatment that you have if you are injured in a car accident. It also pays for some funeral benefits and can pay for lost wages as well.