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 medical payments (MedPay) coverage in North Carolina
There are a few things you need to know about MedPay coverage. To be eligible for MedPay, you must have been injured in a vehicle accident and must have incurred medical expenses. Additionally, you must be covered under a policy which provides for medical payments coverage. You may qualify to receive medical payments checks from multiple insurance companies. If you were injured while riding in a car which is covered by MedPay insurance, you may be eligible to collect from that policy. Also, if you were injured while riding in a car owned by another person who does not have MedPay insurance, then you may collect on your own MedPay insurance which covers any car that you own. Each policy has their own exclusions, and it is important to determine whether any exclusions apply.
Further, the at-fault party may be liable for the cost of your medical bills, lost wages, and pain & suffering. In North Carolina, you may also be able to collect from MedPay coverage as well. Also, MedPay coverage will not be reduced because your health insurance or the at-fault party’s insurance paid some or all of your medical expenses. There are no subrogation provisions in MedPay, meaning that you will not have to refund any of the MedPay benefits when you collect from the the insurance company who covered the car that was at fault. We routinely handle MedPay claims for our clients. For questions regarding MedPay, call our personal injury lawyers today.