Oklahoma insurance companies typically offer medical payment coverage, commonly referred to as “med pay”, rather than personal injury protection (PIP) coverage which is sometimes sold in other states. Medical payment coverage covers reasonable and necessary medical expenses up to the limits of the coverage regardless of who was at fault in the accident.

If you have purchaed “med pay” coverage on your automobile insurance policy, then you can have a double recovery of benefits. Normally, when an insurance company pays a claimant, and a third party insurer makes payment as well, the first insurer has a right to subrogate (collect back) what it paid out in benefits. “Med pay” benefits are not subject to subrogation against a policy’s named insured or members of the named insured’s household, so you can collect for your medical bills from both your “med pay” policy as well as the defendant’s insurance policy without having to give the ‘med pay” money back.