No, you are not able to have both of these coverages at the same time. What’s the difference between Med Pay and PIP? Medical Payments (Med Pay) will cover the medical payments of you and the passengers in your vehicle if they are injured in a crash (usually up to one year after the auto accident). Personal Injury Protection (PIP) includes medical payments coverage but also covers other documented losses such as your lost income. PIP will usually pay for medical expenses up to three years after a covered loss.