What Is Med Pay Auto Insurance?
If you’ve been injured in a car accident in North Carolina, finding a way to pay your medical bills can be challenging. No one ever plans to be severely injured, and the cost of treatment could put significant strain on your finances.
You may be able to recover compensation for your injuries by making an injury claim against the other driver’s insurance coverage or filing a personal injury lawsuit, but it might take a long time to get the money you’re owed. So, how are you supposed to pay your bills in the meantime?
One option in these situations is to use the Medical Payments (Med Pay) coverage on your own auto insurance policy. To learn more about Med Pay coverage and how it works, keep reading. And if you have any additional questions, contact the car accident lawyers at Ward Black Law today.
What Does Med Pay Cover?
Medical Payments coverage is an optional, no-fault benefit available through most auto insurance providers in North Carolina. If you elect to purchase medical payments coverage, you can use these benefits to cover your medical expenses after an accident, up to the limits of the policy you’ve purchased.
This includes the cost of things like:
- Deductibles and copays for your health insurance plan
- Doctor’s visits
- Hospital stays
- Surgeries
- X-rays and other imaging
- Lab work
- Ambulance fees
Coverage is typically available in various amounts, such as $1,000, $2,000, $5,000, $10,000, or more. North Carolina law does not require motorists to purchase Med Pay coverage, even though many insurers offer it. To obtain this type of coverage for yourself, you’ll need to go through your auto insurance provider. To see if you have med pay coverage, look at your car insurance policy’s declaration page. Still not sure? Give us a call and we will let you know for free.
How Do I File a Med Pay Claim?
Even though North Carolina does not use a no-fault system for car accidents, Med Pay is a no-fault benefit. This means that you will file a claim with your own insurance company under the terms of your existing Med Pay policy – even if someone else was to blame for the crash.
If you do not have Med Pay coverage at the time of the accident, you would likely have to find another option to cover your expenses.
Why Should I Use ‘My Insurance’ When I Was Not the One At Fault?
The main advantages of Med Pay coverage are that it’s a no-fault benefit and that filing a Med Pay claim could help you get the money you need quickly. Even if your Med Pay coverage isn’t enough to cover the full extent of your medical bills, these benefits give you some breathing room while you seek compensation from the driver responsible for your injuries.
You might have a strong injury claim against the other driver, but getting compensation could involve a long and contentious process. In contrast, filing a Med Pay claim is relatively quick and easy since you don’t have to prove fault.
Contact Our Experienced Greensboro Car Accident Lawyers Today
Even with Med Pay coverage, you might face significant physical and financial hardship after a car accident. The North Carolina car accident lawyers at Ward Black Law have extensive experience helping people who’ve been hurt seek the full and fair compensation they’re owed. Let us put our skills to work for you. Call us or reach out to us online today for a free and confidential case review.
