What is MedPay coverage in Colorado?

MedPay is optional auto insurance in Colorado that pays your medical bills after a car accident regardless of fault. Under C.R.S. § 10-4-635, Colorado insurers must offer MedPay to all auto policyholders.

Is MedPay required in Colorado?

No. MedPay is optional in Colorado. However, under C.R.S. § 10-4-635, insurers must offer it to every policyholder. If you declined MedPay when you purchased your policy, you do not have this coverage.

Does MedPay affect my personal injury settlement in Colorado?

Using MedPay does not reduce the value of your claim against the at-fault driver. Under Colorado's collateral source rule, the at-fault driver cannot reduce your recovery because you had MedPay coverage.

Does MedPay cover passengers in my car?

Yes. MedPay covers all occupants of your vehicle at the time of the accident, regardless of fault.

Does MedPay cover lost wages?

No. MedPay covers medical expenses only. Lost wages are recoverable through a liability claim against the at-fault driver or through separate disability coverage.

How Does MedPay Work in a Colorado Personal Injury Claim?

Posted in Uncategorized on April 23, 2026

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How Does MedPay Work in a Colorado Personal Injury Claim?

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