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What is Medical Payments Coverage and how might it affect your NC personal injury case?
Wiki User
∙ 13y ago
Many automobile insurance policies include MedPay, which can be used to pay for reasonable and necessary medical and funeral expenses due to a car accident, regardless of who is At Fault. The coverage will pay up to the limits listed in the policy for each individual injured. Typical limits of MedPay coverage are $1,000 or $2,000, but most insurance companies will sell much more, depending on what you want to pay as a premium.
Unlike liability coverage, which is required by law for all automobile insurance policies, MedPay is an optional coverage, so it is not included in every policy. It is typically only included if the policyholder asks for it when applying for the policy. You can add Med Pay or increase your amount of MedPay when you renew your policy.
After a collision, the at-fault party may be liable for the cost of your medical bills, lost wages and pain & suffering. In North Carolina, you may be able to recover from your MedPay coverage as well. There can be complicated interactions with MedPay and other insurance coverage, including health insurance, that may require consultation with an experienced NC personal injury lawyer.
Wiki User
∙ 13y ago
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