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I think, to illustrate what med-pay is, a hypothetical is in order.

Let’s say that you and a friend are up in the woods one lovely fall day. You drive up in your friend’s car, and didn’t realize that the road already has ice and snow on it. Bound and determined to make it to the trail-head, you decide to try to power through the muddy ice-bog.

The car gets stuck.

It’s no matter, with a little bit of a push, you are sure the car will pop free. After adequately preparing, you decide to just open your door and push from there. Then you can just jump right into the car when it starts to go and you won’t get stuck again.

One – Two – Three. You push, your friend accelerates and wham! The door slams on you, you slip on the ice and *#@% the car just ran over your leg!

In retrospect, standing inside the car door on ice was not a brilliant move. And that decision was all yours. There’s no blaming your friend for running over your leg. So, no. You don’t have a case against your friend.
But, you still need to pay for the surgery, how are you going to do that? Enter med-pay. It’s a “no fault” insurance that will pay for your medical bills…
regardless of whose fault it was you got hurt. Although med-pay coverages vary from policy to policy, generally all you need to prove is that you incurred medical expenses as a result of riding in or getting in or out of the car.

Check with your friend’s insurance to see if she carried med-pay and you can meet your health insurance deductible.