By law, North Carolina automobile insurance policies must include several types of coverage within their terms, including under-insured motorist coverage and uninsured motorist coverage. However, medical payments coverage, which is contained in some North Carolina car insurance policies, is optional, and may not automatically be included in your own policy. This coverage, often referred to as MedPay, reimburses you for reasonable and necessary medical and/or funeral expenses resulting from a motor vehicle collision up to the med pay policy limit.
There are a few things you should know about MedPay coverage. To be eligible to demand and received MedPay, insurance companies will see to determine the following: (1) you suffered an injury in a vehicle accident, and (2) you incurred reasonable and necessary medical expenses as a result of the accident.
Insurance policies that include MedPay coverage are designed to protect all passengers in your vehicle if they are injured as a result of the accident and incur medical expenses, regardless of who was at fault in the collision. MedPay may also provide coverage for blood relatives who reside in the same household and any vehicles driven by them. However, it is important to remember that only injuries caused directly by the accident are covered by MedPay. MedPay coverage amounts are typically sold amount ranging between $1,000 and $10,000. It is not uncommon to see MedPay policies for as much as $50,000 or even $100,000.
Following an accident, even if you have health insurance, medical payments coverage may help cover your co-pays or other related expenses. As such, it is important to explore each and every insurance policy that may provide you coverage. For more information about medical payments coverage visit our Medical Payment Coverage Overview.