Raleigh Personal Injury Attorney Explains
Medical Payments Coverage in North Carolina

What you Need to Know About Medical Payments Coverage

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 Med Pay coverage.  This insurance reimburses you for reasonable and necessary medical and funeral expenses resulting from a car accident up to the policy limit.  It is irrelevant whether or not you caused the collision.  Exercising Med Pay coverage should not make your insurance increase unless you received a chargeable offense for the car accident.  If you were injured in an auto accident, Tien Law Firm’s personal injury attorney can help you recover Med Pay benefits that you are eligible for and a fair settlement from the insurance carrier of the at-fault driver.

There are a few things you need to know about Med Pay coverage.  To be eligible for Med Pay, 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 Med Pay 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 Med Pay insurance, then you may collect on your own Med Pay insurance which covers any car that you own.  Each policy has their own exclusions, and it is important to determine whether any exclusions apply.  Tien Law Firm’s personal injury attorney can help determine which policies apply in your case and whether you are eligible.

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 Med Pay coverages as well.  Also, Med Pay 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 Med Pay, meaning that you will not have to refund any of the Med Pay benefits when you collect from the the insurance company who covered the car that was at fault.  We routinely handle Med Pay claims for our clients, and we often negotiate with multiple insurance companies.  There can be complicated interactions with Med Pay and other insurance coverages requiring consultation with an experienced personal injury attorney.

We Aggressively Pursue Compensation for Our Clients

Tien Law Firm, PLLC is a personal injury litigation firm helping auto accident victims and their families throughout North Carolina.  Call our knowledgeable NC personal injury attorney at (919) 348-7227 for a free consultation. We receive no attorney fee unless we recover compensation for your personal injuries.