PLOhiomedium
How is medical payments (Med Pay) coverage treated on an Ohio personal auto policy?
AIt is a mandatory first-party benefit equivalent to PIP
BIt is a statutorily required coverage under Ohio's Financial Responsibility Act that reimburses only the named insured's own medical expenses up to the per-person limit selected
It is an optional first-party coverage that pays reasonable medical expenses for the insured and passengers regardless of fault
DIt substitutes for residual BI liability coverage
Why this is the answer
Ohio's Financial Responsibility Act does not require Med Pay. When purchased, the coverage pays reasonable and necessary medical expenses for the named insured, family members, and passengers injured in a covered auto regardless of fault, up to the per-person limit selected.
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