Medical Payments Coverage or MedPay is optional auto insurance coverage that can reimburse you, a loved one, or other passengers in your vehicle for reasonable and necessary medical and funeral expenses resulting from a car accident. MedPay coverage is generally provided on a no-fault basis. Surprisingly, it’s the most underused form of auto insurance coverage for people representing themselves in handling car accident claims.
Ranges of MedPay coverage vary, but MedPay coverage typically runs in the range of $1,000.00 to $10,000.00 per person in North Carolina. However, MedPay coverage can be purchased in North Carolina for coverage ranging between $250.00 to $1 million. As you’re likely aware, medical bills in excess of MedPay coverage limits may be covered by the at-fault driver’s liability insurance or under your uninsured/underinsured motorist (UM/UIM) policy, which you are required to carry in North Carolina. You should be aware that you are entitled to MedPay coverage regardless of whether or not you had your medical bills paid for by a health insurance company or Medicare. However, it’s important to note that your health insurance company or Medicare coverage may be entitled to a subrogation or lien interest in any MedPay recovery you acquire. It’s important to also be aware that if your health care providers have liens, insurers may pay those health care providers directly. Keep an eye out for this topic in a future BP Law Blog or schedule your free Personal Injury consultation at Biazzo & Panchenko Law.
Because MedPay is considered a no-fault type of insurance coverage, it’s typically considered contractual in nature and therefore it should not cause an increase in your auto insurance premium. However, the specific nature of your MedPay coverage is governed by the terms of your insurance policy so using your MedPay coverage could possibly result in a premium increase, although it’s unlikely.
MedPay generally provides coverage to the named insured, the insured’s spouse who is living in the same household, a family member of the insured living in the same household, any other occupant of an insured’s vehicle at the time of a car accident. Additionally, some MedPay policies cover an insured and their family members as pedestrians who are struck by cars and trucks.
We strongly encourage you to seek the advice of a licensed North Carolina Personal Injury Attorney if you have been injured in a motor vehicle accident caused by another, regardless of whether you have MedPay coverage. You could potentially recover damages for medical expenses, pain and suffering, lost wages, property damage and other compensable damages. At Biazzo & Panchenko Law, we are prepared to negotiate a settlement for you or pursue your case through a jury verdict if warranted. Contact Biazzo & Panchenko Law today to schedule your free Personal Injury consultation. This blog is not to be construed as legal advice.