State Farm Insurance Company sells Medical Payments Coverage to their automobile insurance customers in Florida, whenever they can. This coverage was designed to cover the 20% of the bills that Florida No-Fault/PIP insurance does not cover. The reality is, if you have health insurance, they will cover the other 20% anyway and you do not need medical payments coverage. Most medical providers that work with lawyers in personal injury cases, routinely waive the “20% copay” anyway. What makes it worse is that after they pay the med-pay coverage, when you settle your personal injury case with the driver that caused your accident, State Farm then will put a lien on that settlement and make you pay them back every penny of medical payments they made. In effect, you pay the premium, receive the benefit and then have to give the benefit right back to them out of your settlement. This is a big rip off. If you have Med-Pay with State Farm in Florida, drop it now and save the money. Call me with any insurance questions at 877Glucklaw: Your full service Florida Personal Injury Law Firm.