Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jul 8, 2021

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Don't Forget These Facts

  • SR-22 coverage is an additional element to a medical coverage policy, usually needed for high-risk drivers
  • MedPay coverage is not required in every state, and certain policies may overlap medical benefits
  • Find out if SR-22 and MedPay options are right for you by reading about policy requirements below

Auto insurance requirements vary from state to state, and you may need additional medical or SR-22 coverage.

Finding cheap SR-22 insurance and medical payments (MedPay) coverage can be tricky if you don’t know what you’re looking for or what your other policy coverage may include.

Overlapping policies is an expensive and unnecessary cost you can avoid by making sure your health insurance and current auto insurance policies are meeting your state’s minimum requirements for medical coverage.

Get personalized SR-22 and MedPay auto insurance quotes by entering your ZIP code into our free quote comparison tool above.

What is SR-22 coverage?

SR-22 insurance is not a technical policy. What is an SR22 form? Your auto insurance company provides an SR-22 form as proof to your state that you currently have the required amount of insurance needed. These are typically referred to as SR-22 insurance policies, even though they aren’t policies at all.

Normally, an SR-22 is needed in situations where previous accidents have occurred or cases that require documentation to show that the owner holds medical auto insurance coverage.

In other words, you will only be required to have SR-22 insurance if you are deemed a high-risk driver. Even the best SR-22 insurance coverage will typically not cover any injuries to you or damage to your vehicle, so MedPay or personal injury protection (PIP) is used in most cases.

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What is medical payments (MedPay) coverage?

MedPay coverage, also referred to as medical payments coverage, is a policy that provides specific coverage after an accident has occurred, regardless of who is at fault. Normally, this is a policy with a coverage limit, so there generally is not a deductible. MedPay usually covers financial costs for:

  • Medical treatment
  • EMT/ambulance fees
  • Hospital expenditures, like X-rays
  • Aftercare bills
  • Funeral expenses
  • Professional nursing services and care
  • Prosthetic limbs
  • Dental procedures needed as a result of an accident
  • Injuries sustained as a pedestrian or riding a bicycle if a vehicle hits you

Is MedPay per person? MedPay coverage pays medical expenses for you and any passengers in your vehicle who are injured during an accident or auto-related injury. Essentially, it is a per-person, per-accident coverage policy.

What states require MedPay? Currently, only Pennsylvania and Maine require MedPay coverage. Other states will allow you to buy MedPay if companies in those states offer it as an option.

Should I buy SR-22 and MedPay auto insurance?

SR-22 and medical payments (MedPay) coverage may be just what you need to meet minimum requirements in your state. If you are looking for a reliable SR-22 and MedPay auto insurance company, there are many accredited companies you can choose from.

If you need to demonstrate financial responsibility to the DMV and provide the state with proof of coverage, then SR-22 and MedPay may be a good option for you.

Compare affordable SR-22 and MedPay auto insurance rates in your area right now by entering your ZIP code into our free quote comparison tool below.