{"id":110802,"date":"2026-08-04T07:05:40","date_gmt":"2026-08-04T07:05:40","guid":{"rendered":"https:\/\/dklaw.com\/?post_type=resources&#038;p=110802"},"modified":"2026-08-07T01:10:58","modified_gmt":"2026-08-07T01:10:58","slug":"pip-medpay-insurer-resources","status":"publish","type":"resources","link":"https:\/\/dklaw.com\/ko\/resources\/pip-medpay-insurer-resources\/","title":{"rendered":"PIP &amp; MedPay Resources by Insurance Company"},"content":{"rendered":"<div class=\"dklaw-section dklaw-hero dklaw-hero__blog align wp-block-dklaw-hero-blog has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><div class=\"dklaw-breadcrumbs align wp-block-dklaw-breadcrumbs\"><a href=\"https:\/\/dklaw.com\">Home<\/a><a href=\"https:\/\/dklaw.com\/ko\/resources\/pip-medpay-insurer-resources\/\" class=\"current\">PIP &amp; MedPay Resources by Insurance Company<\/a><script type=\"application\/ld+json\">\n\t{\n\t  \"@context\": \"https:\/\/schema.org\",\n\t  \"@type\": \"BreadcrumbList\",\n\t  \"itemListElement\": [\n\t\t  {\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 1,\n\t\t\t\t\"name\": \"Home\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\"\n\t\t\t},{\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 2,\n\t\t\t\t\"name\": \"PIP &amp; MedPay Resources by Insurance Company\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\/ko\/resources\/pip-medpay-insurer-resources\/\"\n\t\t\t}\n\t  ]\n\t}\n\t<\/script><\/div>\n\n\n<h1 class=\"wp-block-heading\">MedPay vs. PIP: What Each Covers and What Happens to Your Settlement<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Direct links to official PIP and MedPay coverage pages from ten major auto insurers.<\/p>\n\n\n<div class=\"dklaw-hero__blog-meta align wp-block-dklaw-hero-blog-meta\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-taxonomies align wp-block-dklaw-taxonomies\"><\/div>\n\n\n<p class=\"has-primary-gray-color has-text-color wp-block-paragraph\">Reading Time: 15 Minutes<\/p>\n\n<\/div><span>August 4, 2026<\/span><span>Michelle Lysengen<\/span><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1206\" height=\"804\" src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2026\/08\/Medpay-Vs-PIP-Comparison-Hero-Section-Resource-1.jpg\" alt=\"Person at home researching PIP and MedPay insurance guides on the DK Law website, with a medical bill and insurance card beside the laptop.\" class=\"wp-image-110806\" srcset=\"https:\/\/dklaw.com\/wp-content\/uploads\/2026\/08\/Medpay-Vs-PIP-Comparison-Hero-Section-Resource-1.jpg 1206w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/08\/Medpay-Vs-PIP-Comparison-Hero-Section-Resource-1-300x200.jpg 300w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/08\/Medpay-Vs-PIP-Comparison-Hero-Section-Resource-1-1024x683.jpg 1024w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/08\/Medpay-Vs-PIP-Comparison-Hero-Section-Resource-1-768x512.jpg 768w, https:\/\/dklaw.com\/wp-content\/uploads\/2026\/08\/Medpay-Vs-PIP-Comparison-Hero-Section-Resource-1-18x12.jpg 18w\" sizes=\"auto, (max-width: 1206px) 100vw, 1206px\" \/><\/figure>\n<\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-section dklaw-toc alignfull wp-block-dklaw-toc\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__sidebar align wp-block-dklaw-toc-sidebar\"><div class=\"dklaw-toc__sidebar-menu\"><h4 class=\"dklaw-toc__sidebar-toggle\">Jump To<\/h4><ul><\/ul><\/div><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-card align wp-block-dklaw-card has-background has-primary-black-background-color\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading has-primary-white-color has-text-color\">Every 4 minutes.<\/h4>\n\n\n\n<p class=\"has-primary-white-color has-text-color wp-block-paragraph\">On average, every 4 minutes someone picks up the phone and calls us for help. That kind of trust says everything.<\/p>\n\n\n\n<div class=\"wp-block-button is-style-button-phone\"><a class=\"wp-block-button__link has-primary-yellow-background-color has-background wp-element-button\" href=\"tel:7147903562\">714-790-3562<\/a><\/div>\n\n<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"dklaw-toc__blocks align wp-block-dklaw-toc-blocks\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<p class=\"wp-block-paragraph\">Both MedPay and PIP are add-ons to a car insurance policy. Both pay your medical bills after a crash no matter who caused it. Both have names that tell you almost nothing about how they work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The real differences show up in two places: what else they pay for besides medical bills, and what happens to that money when you settle with the driver who hit you. One of them can quietly take a bite out of your settlement check. The other usually can&#8217;t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>There&#8217;s also a threshold question:<\/strong> which one you can even buy depends on the state you live in. California drivers, for example, cannot buy PIP at all.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Key Takeaways<\/h2>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li>PIP (personal injury protection) pays your medical bills, a large share of your lost wages, and sometimes household help after a crash, no matter who was at fault. It exists mainly in no-fault states like Florida, Michigan, New York, and New Jersey.<\/li>\n\n\n\n<li>MedPay (medical payments coverage) pays medical and funeral expenses only. No lost wages. It&#8217;s the coverage sold in fault states like California, usually in amounts from $1,000 to $10,000.<\/li>\n\n\n\n<li>California does not offer PIP on personal auto policies. MedPay is the California option, and it&#8217;s optional.<\/li>\n\n\n\n<li>Whether you repay these benefits out of your settlement depends on your state and your policy language. Texas law blocks PIP repayment almost entirely. California MedPay repayment is allowed only if your policy says so, and courts have limited it in ways that often shrink the payback to a fraction of what the insurer asks for.<\/li>\n<\/ul>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Insurance Companies PIP and MedPay Insurance: StateFarm, Allstate, GEICO, Progressive &amp; More<\/h2>\n\n\n\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700&#038;display=swap\" rel=\"stylesheet\">\n\n<div id=\"dk-insurer-resources\">\n  <style>\n    #dk-insurer-resources {\n      --dkir-blue: #08368B;\n      --dkir-blue-dark: #062A6E;\n      --dkir-cyan: #00E5FF;\n      --dkir-ink: #22303c;\n      --dkir-muted: #5b6b7a;\n      --dkir-line: #e3e9ee;\n      --dkir-bg: #ffffff;\n      --dkir-bg-alt: #f7fafc;\n      --dkir-radius: 12px;\n      --dkir-radius-sm: 8px;\n\n      all: initial;\n      display: block !important;\n      font-family: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif !important;\n      color: var(--dkir-ink) !important;\n      background: var(--dkir-bg) !important;\n      border: 1px solid var(--dkir-line) !important;\n      border-radius: var(--dkir-radius) !important;\n      overflow: hidden !important;\n      margin: 32px 0 !important;\n      box-shadow: 0 6px 24px rgba(8, 54, 139, 0.08) !important;\n      line-height: 1.5 !important;\n      -webkit-text-size-adjust: 100% !important;\n    }\n    #dk-insurer-resources *,\n    #dk-insurer-resources *::before,\n    #dk-insurer-resources *::after {\n      box-sizing: border-box !important;\n      font-family: inherit !important;\n    }\n\n    \/* ---------- Header banner ---------- *\/\n    #dk-insurer-resources .dkir-head {\n      background: var(--dkir-blue) !important;\n      padding: 28px !important;\n    }\n    #dk-insurer-resources .dkir-eyebrow {\n      display: block !important;\n      color: var(--dkir-cyan) !important;\n      font-size: 12px !important;\n      font-weight: 600 !important;\n      letter-spacing: 0.14em !important;\n      text-transform: uppercase !important;\n      margin: 0 0 8px !important;\n    }\n    #dk-insurer-resources .dkir-title {\n      color: #ffffff !important;\n      font-size: 22px !important;\n      font-weight: 700 !important;\n      margin: 0 0 6px !important;\n      line-height: 1.3 !important;\n    }\n    #dk-insurer-resources .dkir-sub {\n      color: #ffffff !important;\n      font-size: 14px !important;\n      font-weight: 400 !important;\n      margin: 0 !important;\n      max-width: 62ch !important;\n    }\n\n    \/* ---------- Table (desktop) ---------- *\/\n    #dk-insurer-resources .dkir-tablewrap { padding: 0 !important; }\n    #dk-insurer-resources table.dkir-table {\n      width: 100% !important;\n      border-collapse: collapse !important;\n      margin: 0 !important;\n      background: transparent !important;\n      border: 0 !important;\n    }\n    #dk-insurer-resources .dkir-table thead th {\n      background: var(--dkir-bg-alt) !important;\n      color: var(--dkir-muted) !important;\n      font-size: 11px !important;\n      font-weight: 600 !important;\n      text-transform: uppercase !important;\n      letter-spacing: 0.1em !important;\n      text-align: left !important;\n      padding: 12px 16px !important;\n      border-bottom: 1px solid var(--dkir-line) !important;\n    }\n    #dk-insurer-resources .dkir-table tbody td {\n      padding: 14px 16px !important;\n      border-bottom: 1px solid var(--dkir-line) !important;\n      vertical-align: middle !important;\n      font-size: 14px !important;\n      background: var(--dkir-bg) !important;\n    }\n    #dk-insurer-resources .dkir-table tbody tr:last-child td { border-bottom: 0 !important; }\n\n    \/* Hover row highlight: desktop table layout only, and pointer devices only.\n       The min-width condition matters. 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}\n      #dk-insurer-resources .dkir-title { font-size: 19px !important; }\n\n      #dk-insurer-resources .dkir-table thead { display: none !important; }\n      #dk-insurer-resources .dkir-table,\n      #dk-insurer-resources .dkir-table tbody { display: block !important; width: 100% !important; }\n      #dk-insurer-resources .dkir-table tbody { padding: 16px !important; }\n\n      \/* One card, one border, one background, one internal gap *\/\n      #dk-insurer-resources .dkir-table tbody tr {\n        display: flex !important;\n        flex-direction: column !important;\n        gap: 10px !important;\n        width: 100% !important;\n        padding: 16px !important;\n        margin: 0 0 12px !important;\n        background: var(--dkir-bg) !important;\n        border: 1px solid var(--dkir-line) !important;\n        border-radius: var(--dkir-radius-sm) !important;\n        box-shadow: none !important;\n      }\n      #dk-insurer-resources .dkir-table tbody tr:last-child { margin-bottom: 0 !important; }\n\n      #dk-insurer-resources .dkir-table tbody td {\n        display: block !important;\n        width: 100% !important;\n        padding: 0 !important;\n        margin: 0 !important;\n        border: 0 !important;\n        background: transparent !important;\n        box-shadow: none !important;\n      }\n\n      \/* Belt and suspenders: kill any inherited row highlight in the card layout,\n         at matching specificity and later in source order so it always wins. *\/\n      #dk-insurer-resources .dkir-table tbody tr:hover,\n      #dk-insurer-resources .dkir-table tbody tr:focus-within {\n        background: var(--dkir-bg) !important;\n        box-shadow: none !important;\n      }\n      #dk-insurer-resources .dkir-table tbody tr:hover td,\n      #dk-insurer-resources .dkir-table tbody tr:focus-within td {\n        background: transparent !important;\n        box-shadow: none !important;\n      }\n\n      #dk-insurer-resources .dkir-co { margin: 0 !important; white-space: normal !important; }\n      #dk-insurer-resources a.dkir-btn { margin: 0 !important; min-height: 44px !important; }\n    }\n\n    @media (prefers-reduced-motion: reduce) {\n      #dk-insurer-resources .dkir-table tbody tr,\n      #dk-insurer-resources a.dkir-btn { transition: none !important; }\n    }\n  <\/style>\n\n  <div class=\"dkir-head\">\n    <span class=\"dkir-eyebrow\">DK Law Resource<\/span>\n    <p class=\"dkir-title\">PIP &amp; MedPay: Official Insurer Coverage Pages<\/p>\n    <p class=\"dkir-sub\">Where ten of the largest auto insurers explain personal injury protection and medical payments coverage, in their own words. Availability and details vary by state.<\/p>\n  <\/div>\n\n  <div class=\"dkir-tablewrap\">\n    <table class=\"dkir-table\">\n      <thead>\n        <tr>\n          <th scope=\"col\">Company<\/th>\n          <th scope=\"col\">PIP Resource<\/th>\n          <th scope=\"col\">MedPay Resource<\/th>\n          <th scope=\"col\">Notes<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td><span class=\"dkir-co\"><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=statefarm.com&amp;sz=64\" alt=\"State Farm logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">S<\/span>State Farm<\/span><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.statefarm.com\/claims\/pip-and-mpc-forms\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"State Farm PIP claims and forms\">PIP forms<\/a><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.statefarm.com\/insurance\/auto\/coverage-options\/medical-payments-coverage\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"State Farm medical payments coverage\">MedPay guide<\/a><\/td>\n          <td class=\"dkir-note\">The PIP page is a state-specific claims and forms directory. Availability varies by state.<\/td>\n        <\/tr>\n        <tr>\n          <td><span class=\"dkir-co\"><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=geico.com&amp;sz=64\" alt=\"GEICO logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">G<\/span>GEICO<\/span><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.geico.com\/information\/aboutinsurance\/auto\/pip\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"GEICO personal injury protection guide\">PIP guide<\/a><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.geico.com\/information\/aboutinsurance\/auto\/med-pay\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"GEICO medical payments guide\">MedPay guide<\/a><\/td>\n          <td class=\"dkir-note\">Separate guides for each coverage, including how the two differ.<\/td>\n        <\/tr>\n        <tr>\n          <td><span class=\"dkir-co\"><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=progressive.com&amp;sz=64\" alt=\"Progressive logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">P<\/span>Progressive<\/span><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.progressive.com\/answers\/personal-injury-protection\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Progressive personal injury protection guide\">PIP guide<\/a><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.progressive.com\/auto\/insurance-coverages\/medical-payments\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Progressive medical payments guide\">MedPay guide<\/a><\/td>\n          <td class=\"dkir-note\">Offers both coverages where state law allows.<\/td>\n        <\/tr>\n        <tr>\n          <td><span class=\"dkir-co\"><!-- Interim: hotlinks Allstate's newsroom asset. Before publish, download this JPG, upload to the WP media library, and swap the src to the local URL. --><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.allstatenewsroom.com\/wp-content\/uploads\/2019\/08\/Slightly-smaller-Allstate-logo-V2-1-1.jpg\" alt=\"Allstate logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">A<\/span>Allstate<\/span><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.allstate.com\/resources\/car-insurance\/personal-injury-protection-coverage\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Allstate personal injury protection guide\">PIP guide<\/a><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.allstate.com\/resources\/car-insurance\/medical-payments-coverage\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Allstate medical payments guide\">MedPay guide<\/a><\/td>\n          <td class=\"dkir-note\">Separate guides on what each coverage can pay for.<\/td>\n        <\/tr>\n        <tr>\n          <td><span class=\"dkir-co\"><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=libertymutual.com&amp;sz=64\" alt=\"Liberty Mutual logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">L<\/span>Liberty Mutual<\/span><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.libertymutual.com\/vehicle\/auto-insurance\/coverage\/personal-injury-protection\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Liberty Mutual personal injury protection guide\">PIP guide<\/a><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.libertymutual.com\/vehicle\/auto-insurance\/coverage\/medical-payments-coverage\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Liberty Mutual medical payments guide\">MedPay guide<\/a><\/td>\n          <td class=\"dkir-note\">PIP guide covers medical bills, rehab, lost income, and essential services. MedPay guide focuses on accident medical costs.<\/td>\n        <\/tr>\n        <tr>\n          <td><span class=\"dkir-co\"><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=nationwide.com&amp;sz=64\" alt=\"Nationwide logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">N<\/span>Nationwide<\/span><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/coverages\/types\/personal-injury-protection\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Nationwide personal injury protection guide\">PIP guide<\/a><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/coverages\/types\/medical-payments\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Nationwide medical payments guide\">MedPay guide<\/a><\/td>\n          <td class=\"dkir-note\">Explains why PIP covers a wider range of losses than MedPay.<\/td>\n        <\/tr>\n        <tr>\n          <td><span class=\"dkir-co\"><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=farmers.com&amp;sz=64\" alt=\"Farmers logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">F<\/span>Farmers<\/span><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.farmers.com\/learn\/insurance-questions\/personal-injury-protection\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Farmers personal injury protection guide\">PIP guide<\/a><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.farmers.com\/learn\/insurance-questions\/medical-payments-coverage\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Farmers medical payments guide\">MedPay guide<\/a><\/td>\n          <td class=\"dkir-note\">Notes where PIP is required, optional, or replaced by MedPay.<\/td>\n        <\/tr>\n        <tr>\n          <td><span class=\"dkir-co\"><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=usaa.com&amp;sz=64\" alt=\"USAA logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">U<\/span>USAA<\/span><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.usaa.com\/insurance\/vehicles\/auto\/coverage\/personal-injury-protection\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"USAA personal injury protection guide\">PIP guide<\/a><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.usaa.com\/insurance\/vehicles\/auto\/coverage\/medical-payments\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"USAA medical payments guide\">MedPay guide<\/a><\/td>\n          <td class=\"dkir-note\">Available to eligible military members, veterans, and qualifying family members.<\/td>\n        <\/tr>\n        <tr>\n          <td><span class=\"dkir-co\"><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=amfam.com&amp;sz=64\" alt=\"American Family logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">A<\/span>American Family<\/span><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.amfam.com\/resources\/articles\/understanding-insurance\/does-car-insurance-cover-medical-bills\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"American Family guide to car insurance and medical bills\">Medical bills guide<\/a><\/td>\n          <td class=\"dkir-links-cell\"><a class=\"dkir-btn\" href=\"https:\/\/www.amfam.com\/resources\/articles\/on-the-road\/bodily-injury-vs-medical-payments-insurance\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"American Family bodily injury vs medical payments guide\">MedPay guide<\/a><\/td>\n          <td class=\"dkir-note\">Often refers to MedPay as medical expense coverage.<\/td>\n        <\/tr>\n        <tr>\n          <td><span class=\"dkir-co\"><img decoding=\"async\" class=\"dkir-logo\" src=\"https:\/\/www.google.com\/s2\/favicons?domain=auto-owners.com&amp;sz=64\" alt=\"Auto-Owners Insurance logo\" loading=\"lazy\" onerror=\"this.style.setProperty('display','none','important');this.nextElementSibling.style.setProperty('display','flex','important');\"><span class=\"dkir-fallback\">A<\/span>Auto-Owners<\/span><\/td>\n          <td class=\"dkir-links-cell\" colspan=\"2\"><a class=\"dkir-btn\" href=\"https:\/\/www.auto-owners.com\/insurance\/auto\/coverages\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" aria-label=\"Auto-Owners coverage overview including PIP and MedPay\">PIP &amp; MedPay overview<\/a><\/td>\n          <td class=\"dkir-note\">Covers both on one general auto coverage page.<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <div class=\"dkir-foot\">\n    <p>DK Law is not affiliated with, sponsored by, or endorsed by any company listed above. Names and logos belong to their respective owners. Links open each insurer&#8217;s official website in a new tab. Coverage availability, limits, and terms vary by state and policy.<\/p>\n  <\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">What Is PIP Insurance (Personal Injury Protection)?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PIP is first-party coverage, meaning it comes from your own auto policy and pays you directly. After a crash, it covers your medical treatment, a percentage of the income you lose while you recover, and in many states, practical costs like childcare or lawn care if your injuries keep you from handling them yourself. Fault doesn&#8217;t matter. Your insurer pays whether the other driver ran a red light or you did.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The details vary by state because PIP is a creature of state law. In Florida,<a href=\"http:\/\/www.leg.state.fl.us\/Statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.736.html\"> PIP pays 80% of your medical bills and 60% of your lost wages<\/a>, up to a $10,000 limit, and you forfeit the medical benefits if you don&#8217;t start treatment within 14 days of the crash. Michigan lets drivers<a href=\"https:\/\/www.michigan.gov\/autoinsurance\/choosing-coverage\/choosing-pip-med-coverage\"> choose their PIP medical level<\/a>, from $50,000 up to unlimited lifetime coverage. New York requires $50,000. A dozen or so states mandate some version of it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PIP typically covers you, family members who live with you, your passengers, and you as a pedestrian or cyclist.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">What Is MedPay Coverage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">MedPay is PIP&#8217;s smaller, simpler cousin. It pays medical and funeral expenses after a crash, and that&#8217;s it. No wage replacement. No childcare. The<a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/105-type\/95-guides\/01-auto\/auto101.cfm\"> California Department of Insurance describes it<\/a> as coverage that pays limited medical expenses for people injured in the car you&#8217;re driving, whether or not you are at fault.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What MedPay lacks in breadth, it makes up in speed and simplicity. There&#8217;s no deductible and no copay. It can pay providers directly, which matters when bills start arriving weeks before any settlement money could. It follows you into other cars, onto a bike, and onto the sidewalk as a pedestrian. Typical limits run from $1,000 to $10,000, though higher amounts are available.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">MedPay vs. PIP: The Key Differences<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th><strong>MedPay<\/strong><\/th><th><strong>PIP<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Medical bills<\/strong><\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td><strong>Lost wages<\/strong><\/td><td>No<\/td><td>Yes, usually 60% to 85% depending on state<\/td><\/tr><tr><td><strong>Household services (childcare, etc.)<\/strong><\/td><td>No<\/td><td>Often yes<\/td><\/tr><tr><td><strong>Funeral expenses<\/strong><\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td><strong>Where it&#8217;s sold<\/strong><\/td><td>Fault states, including California<\/td><td>No-fault states, mostly required<\/td><\/tr><tr><td><strong>Typical limits<\/strong><\/td><td>$1,000 to $10,000<\/td><td>$2,500 to $50,000+, set by state law<\/td><\/tr><tr><td><strong>Deductible<\/strong><\/td><td>No<\/td><td>Sometimes<\/td><\/tr><tr><td><strong>Repaid from your settlement?<\/strong><\/td><td>Depends on state and policy<\/td><td>Rarely, and some states ban it outright<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Fault States vs. No-Fault States<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The reason these two coverages exist at all comes down to how states answer one question: after a crash, who pays first?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In a fault state, the answer is the person who caused it. You bring a claim against the at-fault driver&#8217;s liability insurance for everything: medical bills, lost wages, pain and suffering. Your own policy sits mostly on the sidelines unless you bought extras like MedPay to bridge the gap while that claim plays out. California works this way, and so do most states.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No-fault states flipped the model. Your own PIP pays your medical bills and lost wages first, no matter who caused the crash, and you can only sue the other driver if your injuries clear a threshold the state sets, like a permanent injury or bills above a dollar amount. The trade was supposed to be fewer lawsuits in exchange for guaranteed quick payment. Whether that trade worked is a debate insurance economists are still having.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So the choice between MedPay and PIP is mostly not a choice. Your state made it for you.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Does California Have PIP?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No. California is a fault state, and PIP is not sold on personal auto policies here. If you search your California policy for personal injury protection, you won&#8217;t find it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What California drivers can buy is MedPay, and it deserves more attention than it gets, because the state&#8217;s required liability coverage protects other people, not you. Liability insurance pays the people you injure. It pays nothing toward your own hospital bill. As of January 2025,<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202120220SB1107\"> California&#8217;s minimum liability limits are $30,000 per person and $60,000 per accident<\/a> for bodily injury, up from the 15\/30 limits that had been frozen since 1967. That helps if the other driver is insured and at fault. It does nothing on the day of the crash, when the ER bill exists, and the settlement doesn&#8217;t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">MedPay fills that timing gap. It also covers your passengers, who might otherwise have no immediate way to pay for treatment.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">How MedPay and PIP Affect Your Injury Settlement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is where the two coverages really part ways, and it comes down to one question: when you settle with the at-fault driver, does your own insurance company get to reach into that settlement and take back what it paid you?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurers call this right <a href=\"https:\/\/dklaw.com\/the-fine-print\/what-is-subrogation-in-settlement-proceedings\/\">subrogation<\/a>. In plain terms, it&#8217;s a payback clause. The logic is that you shouldn&#8217;t collect the same medical bill twice, once from your own coverage and again from the other driver.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With PIP, many states shut the payback down by statute.<a href=\"https:\/\/statutes.capitol.texas.gov\/Docs\/IN\/htm\/IN.1952.htm\"> Texas law flatly says<\/a> a PIP insurer has no right of subrogation, with a narrow exception for uninsured drivers. Florida bars it too in most cases. In those states, the PIP money is yours to keep on top of whatever you recover from the at-fault driver. That&#8217;s a genuinely rare thing in insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">MedPay is different, and California shows how. No California statute addresses MedPay repayment at all, which means it&#8217;s purely a matter of contract. If your policy contains a reimbursement clause, and most do, your insurer can ask for its money back from your settlement.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">California courts have boxed that right in from two directions. First, an insurer<a href=\"https:\/\/law.justia.com\/cases\/california\/court-of-appeal\/4th\/28\/533.html\"> can&#8217;t collect anything until you&#8217;ve been fully compensated<\/a> for your losses, a rule known as the made whole doctrine. If your settlement plus your insurance still leaves you short of your total damages, the insurer waits, possibly forever.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Second, even when repayment is owed, the insurer<a href=\"https:\/\/scocal.stanford.edu\/opinion\/21st-century-insurance-v-super-ct-32973\"> has to absorb its fair share of your attorney&#8217;s fees<\/a>, since your lawyer&#8217;s work is what created the money it&#8217;s collecting from. In one California Supreme Court case, that rule alone cut a $1,000 MedPay reimbursement demand to $600.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One more settlement wrinkle worth knowing. Under<a href=\"https:\/\/law.justia.com\/cases\/california\/supreme-court\/2011\/s179115\/\"> Howell v. Hamilton Meats<\/a>, California measures your past medical damages by what was actually paid and accepted for your treatment, not the sticker price on the bill. A hospital might bill $40,000, accept $12,000 as payment in full, and the $12,000 becomes the number your claim is built on. How your bills get paid, through MedPay, health insurance, or neither, can change that number, which is one of the quieter reasons the payment route matters.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s how the same crash plays out in two states. Assume you&#8217;re not at fault, with $8,000 in medical bills and $3,000 in lost wages:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th><strong>Texas driver with $2,500 PIP<\/strong><\/th><th><strong>California driver with $5,000 MedPay<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Who pays the first bills<\/strong><\/td><td>PIP pays $2,500 right away, fault irrelevant<\/td><td>MedPay pays up to $5,000 right away, fault irrelevant<\/td><\/tr><tr><td><strong>Lost wages covered by your own policy<\/strong><\/td><td>Partially, PIP includes wage loss<\/td><td>No, wages wait for the liability claim<\/td><\/tr><tr><td><strong>The rest of your damages<\/strong><\/td><td>Claim against the at-fault driver&#8217;s liability insurance<\/td><td>Claim against the at-fault driver&#8217;s liability insurance<\/td><\/tr><tr><td><strong>Repay your own insurer at settlement?<\/strong><\/td><td>No, Texas law forbids it<\/td><td>Only if your policy requires it, and only after you&#8217;re made whole, minus a share of your attorney&#8217;s fees<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Do You Need MedPay or PIP If You Have Health Insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Health insurance comes with deductibles, copays, and networks. MedPay has none of those, and it covers your passengers, who may not have health coverage of their own. If your health plan is a high-deductible plan, a $5,000 MedPay policy can absorb the entire deductible after a crash. In no-fault states, the question mostly answers itself, since PIP is required and pays primary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keep in mind that health insurers often assert their own repayment claims against injury settlements, under different rules than the ones above. That subject is big enough that we&#8217;ve covered it separately in our guide to<a href=\"https:\/\/dklaw.com\/the-fine-print\/what-is-subrogation-in-settlement-proceedings\/\"> subrogation in settlement proceedings<\/a>.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">MedPay Outside of Car Accidents: Slip and Falls and Homeowners Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Medical payments coverage isn&#8217;t only an auto product, and this trips people up in premises liability cases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Standard homeowners policies include a coverage called medical payments to others, typically $1,000 to $5,000. It pays the medical bills of a guest injured on the property, no proof of fault required. A friend slips on your icy steps, the coverage pays her urgent care visit, and nobody has to prove you were negligent to unlock it. It doesn&#8217;t cover the people who live in the home, and it&#8217;s separate from the homeowner&#8217;s liability coverage, which is the much larger pot that responds when the injured guest brings an actual negligence claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Businesses carry the same concept in their general liability policies, usually $5,000 to $10,000 per person, for customers hurt on the premises. A store paying your ER bill through this coverage hasn&#8217;t admitted anything, and accepting it doesn&#8217;t end your claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The structural difference from a car crash is whose policy pays. Auto MedPay is your own coverage paying you. Premises med-pay is the property owner&#8217;s coverage paying you. Same name, opposite direction.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Quick Answers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Does PIP or MedPay cover damage to my car?<\/strong> No. Both are injury coverages only. Vehicle damage goes through collision coverage or the at-fault driver&#8217;s property damage liability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who gets the check?<\/strong> Usually the medical provider gets paid directly. If you already paid a bill out of pocket, you can submit it and be reimbursed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How long do I have to bring the injury claim itself?<\/strong> In California, generally <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?sectionNum=335.1&amp;lawCode=CCP\">two years from the date of injury<\/a> for a personal injury lawsuit, with shorter deadlines for claims against government entities.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Sorting Out Who Pays After a Crash<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Coverage questions get tangled fast when MedPay, health insurance, and an at-fault driver&#8217;s insurer are all in the picture at once, each with its own rules about paying and getting paid back. If you were injured in a California crash and you&#8217;re not sure how the pieces fit together, DK Law can walk you through it. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The consultation is free, and you&#8217;ll leave knowing where your money is supposed to come from and who, if anyone, you&#8217;ll owe at the end. <a href=\"https:\/\/dklaw.com\/contact\/\">Contact DK Law today<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>This article is for informational purposes only and does not constitute legal advice or create an attorney-client relationship. Insurance coverage, limits, and repayment rules vary by state, policy, and individual circumstances. For guidance specific to your situation, consult a licensed attorney.<\/em><\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-author align wp-block-dklaw-author has-text-color has-primary-black-color has-background has-tertiary-blue-background-color\"><div class=\"dklaw-author__block\"><div class=\"dklaw-author__image\" style=\"background-image:url(https:\/\/dklaw.com\/wp-content\/uploads\/2025\/06\/daniel-kim.jpg);\"><\/div><div><p class=\"dklaw-author__block-about\">About the Author<\/p><h4 class=\"wp-block-heading is-style-heading-serif\">Daniel Kim<\/h4><h6><\/h6><p>He is the founder of DK Law and a nationally recognized car accident lawyer. Daniel Kim earned his B.S. from the University of Maryland and J.D. from Chapman University. Daniel has recovered $600M+ for injury victims and is a member of elite legal forums.<\/p>\n<div class=\"dklaw-author__social-icons\"><a href=\"https:\/\/www.linkedin.com\/company\/the-law-offices-of-daniel-kim\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g clip-path=\"url(#clip0_5702_21335)\"><path d=\"M15.7416 0H1.25508C0.561133 0 0 0.547852 0 1.2252V15.7715C0 16.4488 0.561133 17 1.25508 17H15.7416C16.4355 17 17 16.4488 17 15.7748V1.2252C17 0.547852 16.4355 0 15.7416 0ZM5.04355 14.4865H2.52012V6.37168H5.04355V14.4865ZM3.78184 5.26602C2.97168 5.26602 2.31758 4.61191 2.31758 3.80508C2.31758 2.99824 2.97168 2.34414 3.78184 2.34414C4.58867 2.34414 5.24277 2.99824 5.24277 3.80508C5.24277 4.60859 4.58867 5.26602 3.78184 5.26602ZM14.4865 14.4865H11.9664V10.542C11.9664 9.60234 11.9498 8.39043 10.6549 8.39043C9.34336 8.39043 9.14414 9.41641 9.14414 10.4756V14.4865H6.62734V6.37168H9.04453V7.48066H9.07773C9.41308 6.84316 10.2365 6.16914 11.4617 6.16914C14.015 6.16914 14.4865 7.84922 14.4865 10.034V14.4865Z\" fill=\"#08368B\"\/><\/g><defs><clipPath id=\"clip0_5702_21335\"><rect width=\"17\" height=\"17\" fill=\"white\"\/><\/clipPath><\/defs><\/svg><\/a><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"dklaw-section dklaw-cta alignfull wp-block-dklaw-cta has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns are-vertically-aligned-center has-primary-blue-background-color has-background is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h3 class=\"wp-block-heading is-style-heading-serif has-primary-white-color has-text-color\">Your Car Matters Too.<\/h3>\n\n\n\n<p class=\"has-primary-white-color has-text-color wp-block-paragraph\">We fight for your injury claim and get your property damage covered\u2014with no added fees.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-buttons is-content-justification-flex-end is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-phone\"><a class=\"wp-block-button__link has-primary-yellow-background-color has-background wp-element-button\" href=\"tel:7147903562\">714-790-3562<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-section dklaw-cards dklaw-section__explore-cards align wp-block-dklaw-explore-cards\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center\">Explore By What Matters Most<\/h2>\n\n\n\n<p class=\"has-text-align-center is-style-paragraph-subheading wp-block-paragraph\">Whether you&#8217;re searching by location or case type, we&#8217;ll help you get exactly where you need to be.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"dklaw-card align is-style-card-bordered dklaw-card__explore wp-block-dklaw-card\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading\">Find Us Near You<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Browse all cities and counties we serve. <br>See where our attorneys are winning cases every day.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-primary-black-background-color has-background wp-element-button\" href=\"\/locations\/\">View All Locations<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/06\/dklaw-map.svg\" alt=\"\"\/><\/figure>\n\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"dklaw-card align is-style-card-bordered dklaw-card__explore wp-block-dklaw-card\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading\">Explore Legal Focus Areas<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">From car accidents to wrongful death, see every type of case we handle with confidence.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link has-primary-black-background-color has-background wp-element-button\" href=\"\/practice-areas\/\">See All Locations<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2025\/06\/dklaw-file-cabinet.svg\" alt=\"\"\/><\/figure>\n\n<\/div><\/div><\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div id=\"form\" style=\"--bg-image: url(https:\/\/dklaw.com\/wp-content\/uploads\/2026\/03\/daniel-kim-and-client-1.jpg);\" class=\"dklaw-section dklaw-cta dklaw-cta-form alignfull wp-block-dklaw-cta-form has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns has-primary-black-background-color has-background is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column dklaw-cta-form__bg-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h2 class=\"wp-block-heading dklaw-cta-form__heading has-primary-white-color has-text-color\">DK <em>all the way<\/em><\/h2>\n\n\n\n<p class=\"dklaw-cta-form__subheading has-primary-white-color has-text-color wp-block-paragraph\">From Your Case to Compensation, we take your case <em>all the way.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"dklaw-form align wp-block-dklaw-form\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading dklaw-form__heading\">Schedule a Free Consultation<\/h4>\n\n\n\n<p class=\"dklaw-form__subheading has-primary-green-color has-text-color wp-block-paragraph\">Get Expert Legal Advice at <strong>Zero Cost.<\/strong><\/p>\n\n<\/div>\t\t\n\t\t\t\n\t<form id=\"dklaw-form\" class=\"dklaw-form__form\" role=\"form\" aria-label=\"Free Case Review Form\" data-redirect=\"\/ty\/thank-you\/\">\n\t\t<div class=\"dklaw-form__form-grid\">\n\t\t\t<div class=\"dklaw-form__form-field\">\n\t\t\t\t<label for=\"firstName\">First 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You authorize contact during or outside traditional business hours and even if your phone number appears on any federal or state Do Not Call registry. Your consent is not required as a condition of obtaining legal services <a href=\"\/terms-conditions\/\" style=\"text-decoration:none\" target=\"_blank\">View our Terms &#038; Conditions<\/a><\/label>\t\t\t\n\t\t<\/div>\n\t\t<div class=\"cf-turnstile\" data-sitekey=\"0x4AAAAAACM74PWhFrQ4Zb-D\" data-theme=\"light\" data-appearance=\"interaction-only\"><\/div>\n\t\t<div id=\"success__message\"><\/div>\n\t\t<div id=\"success__error\"><\/div>\n\t\t<div class=\"dklaw-form__form-field text-center\">\n\t\t\t<button type=\"submit\" class=\"wp-block-button__link wp-element-button has-primary-yellow-background-color\" aria-label=\"Get Started\">Get Started<\/button>\t\t<\/div>\n\t\t<div class=\"dklaw-form__privacy\">\n\t\t\t<svg width=\"15\" height=\"16\" viewBox=\"0 0 15 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M13.8389 2.81263C11.816 2.66105 9.9218 1.86947 8.48736 0.555789L8.11956 0.202105C7.97244 0.0673681 7.77014 0 7.56788 0C7.36559 0 7.16329 0.0673681 7.01617 0.202105L6.64837 0.555789C5.21393 1.86947 3.31973 2.66105 1.29681 2.81263C0.892223 2.84631 0.57959 3.14947 0.57959 3.52V5.55789C0.57959 9.8358 3.11744 13.8105 7.18168 15.9158C7.29203 15.9832 7.43915 16 7.56788 16C7.69658 16 7.82531 15.9663 7.95405 15.9158C12.0183 13.8105 14.5561 9.8358 14.5561 5.55789V3.52C14.5561 3.14947 14.2435 2.84631 13.8389 2.81263ZM11.3378 6.33262L7.29203 10.5095C7.16329 10.6442 6.94261 10.6442 6.81388 10.5095L4.20247 8.00001C4.07373 7.88211 4.07373 7.69685 4.20247 7.57896L4.84612 6.98948C4.97485 6.87159 5.15876 6.87159 5.28749 6.97264L6.74032 8.13475C6.86905 8.2358 7.07134 8.2358 7.20007 8.1179L10.1609 5.35578C10.2896 5.23789 10.4919 5.23789 10.6206 5.33894L11.2827 5.89473C11.4482 6.02947 11.4482 6.21473 11.3378 6.33262Z\" fill=\"#131314\"\/>\n\t\t\t<\/svg>\n\t\t\t<a href=\"\/privacy-policy\/\"><span>Your Privacy, Our Priority<\/span><\/a>\n\t\t\t<input type=\"hidden\" id=\"ga4_client_id\" name=\"ga4_client_id\" value=\"\">\n\t\t<\/div>\t\t\n\t<\/form>\n\n\t<\/div><\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-section__small-padding-bottom dklaw-section dklaw-cta dklaw-cta-promise alignfull wp-block-dklaw-cta-promise has-background has-primary-white-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns are-vertically-aligned-center has-primary-black-background-color has-background is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:75%\">\n<h3 class=\"wp-block-heading has-primary-white-color has-text-color\">At DK Law we&#8217;re with you &#8211; <em>all the way.<\/em><\/h3>\n\n\n\n<p class=\"dklaw-cta-promise__underline has-primary-white-color has-text-color wp-block-paragraph\">Get a Free Consultation with our experts today!<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-buttons is-content-justification-flex-end is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-phone\"><a class=\"wp-block-button__link has-primary-yellow-background-color has-background wp-element-button\" href=\"tel:7147903562\">714-790-3562<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--3\"><a class=\"wp-block-button__link has-primary-white-background-color has-background wp-element-button\" href=\"#form\">Free Case Consultation<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Direct links to official PIP and MedPay coverage pages from ten major auto insurers, including State Farm, GEICO, Progressive, and Allstate.<\/p>","protected":false},"featured_media":110807,"parent":0,"menu_order":0,"template":"","class_list":["post-110802","resources","type-resources","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/resources\/110802","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/resources"}],"about":[{"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/types\/resources"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/media\/110807"}],"wp:attachment":[{"href":"https:\/\/dklaw.com\/ko\/wp-json\/wp\/v2\/media?parent=110802"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}