DEDUCTIBLES and CO-PAYMENTS: You will pay for part of the first $5,000 of medical expenses you or other covered persons have in an auto accident. Your insurer will pay medical bills over the deductible amount you choose. In addition, there is a 20 percent co-payment for medical expenses in excess of the deductible up to $5,000.

That means that you pay 20 percent of the medical expenses and the insurer pays 80 percent.