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North Carolina automobile insurance policies must include several types of coverage such as underinsured motorist coverage and uninsured motorist coverage.  An optional coverage, which most North Carolina car insurance policies have, is called medical payments coverage.  It is often referred to as MedPay coverage.  This insurance reimburses you for reasonable and necessary medical and funeral expenses resulting from a motor vehicle collision up to the policy limit, regardless of who was at fault.   What you need to know about