When a person is injured in a car accident and those injuries require medical treatments, one of the concerns they may have is who will pay for these medical expenses? This can be even more of a worry for those victims who do not have health insurance or the coverage they do have has a high deductible. This is where Medpay comes in. Medical Payments, also known as MedPay provides a method for payment of medical expenses incurred in the treatment of injuries caused by car wrecks. MedPay protects you, your family, and other passengers in your car so it is an important insurance option to have.
Unlike liability coverage, Medpay coverage is not required car insurance in North Carolina or Virginia, however, it is an option that is available at extra cost. Medpay policies are typically inexpensive and do not have deductibles. Each insurance company establishes the amount or limit of coverage.
If you are unsure if you currently have MedPay coverage option, check the Declaration Sheet of your current auto insurance policy. This is where the amount or limit of MedPay coverage can be found. At our personal injury law firm, our clients’ Medpay coverage has been from zero to $100,000, so it is important to review your auto insurance coverage and become familiar with how much coverage you have.
Do I Need MedPay If I Already Have Liability Coverage?
It is important to understand the difference between liability coverage and MedPay coverage. Liability insurance is required in both North Carolina and Virginia, where Medpay is optional. The purpose of liability insurance is to provide financial compensation for injured victims for any car accident you may cause. If you are found to be at fault for an accident that you suffered injuries in, your liability coverage will not cover your medical bills. If you have MedPay coverage and you are found to be at fault for the crash, your medical bills will be paid, up to the amount of coverage you chose for your policy.
Filing a Claim
To make a claim for Medpay coverage, you typically need to provide your auto insurance company with copies of medical records documenting the care received to treat injuries suffered in an auto collision and itemized bills documenting the charges for the care reflected in the records. It is important to remember this source of payment for medical bills incurred due to a car wreck, especially in situations in which the insured does not have health insurance available to cover his/her medical bills. The legal team at Shapiro, Washburn & Sharp can assist our clients with making claims for Medpay coverage.
Contact a North Carolina Injury Attorney
If you have been injured in a motor vehicle accident, contact a North Carolina car accident attorney to see what type of financial damages you may be entitled to. The legal team from Shapiro, Washburn & Sharp have been advocating for injured clients since 1985 and will do all we can to ensure you receive the best possible outcome under the circumstances of your case. If you would like to meet with one of our skilled North Carolina car accident attorneys to find out how we can help, call us today at (833) 997-1774 for a free case evaluation.
- Should I Use My Health Insurance if I Was Injured by a Negligent Driver?
- You Can File Car Insurance Claims Even if You Used You Own Health Insurance After a Car Crash
- Rules in Virginia and North Carolina for Reimbursing Health Insurance From Car Insurance Settlements