Med pay insurance, or medical pay insurance, will pay any medical expense for you or any passengers in your vehicle in the case of an auto accident or related injury no matter who is at fault. Auto insurance is confusing, but this is a good option to include on your policy. If you are a business owner, this should definitely be part of your policy because med pay protects your employees as well.
You may have medical pay insurance and not realize it. Most North Carolina auto insurance policies have med pay coverage. If you are not sure, contact your insurance agent to find out.
What Med Pay Covers
If you were injured while riding in a car covered by med pay coverage, you might be eligible to collect from that insurance policy. If you were injured while riding in a car owned by someone else who does not have med pay insurance, then you may collect on your own policy. It is important to talk to your insurance company, so you know how much it will cover in the event of an accident. Each policy has a limit to how much it will cover.
If you are not at fault in the accident, then you may be compensated from the responsible party as well. Compensation includes medical bills, pain and suffering, and lost wages. In North Carolina, you can still claim your med pay insurance after being compensated by the person at fault.
If you want more information about how much medical pay coverage to include in your policy, click on the medical payments coverage video in our video gallery.
Kelly & West routinely handle medical pay insurance claims for our clients. We even negotiate with multiple insurance policyholders. If you or someone else you care for has been injured in an auto-related accident, contact us right away, especially if you are unsure if you have med pay coverage. There can be complications when making claims with insurance companies, so let the professional personal injury attorneys at Kelly & West do the hard work.
Oliver and Sherrie M. – Car Accident
“We were hit head-on by someone who run a red light. I got bruised up real bad inside and I had just had shoulder surgery and it inflamed that. My wife was hurt the worst. It disfigured her right arm. We were referred to Mr. West through our son-in-law so we went up and set an appointment with him. We went in and met him for the first time and he is a very nice gentleman to say the least. He took over the case and found out who the [driver] was. It had totaled the car and I had just gotten it paid off. They didn’t even get hurt. Mr. West took the case and went way out of his way to help. The lady who hit us … they had only the cheapest insurance to get the car on the road … so he helped us get more money to help us pay the bills. We are very happy with how it turned out. Kelly and West, they’re good people. You can talk to them and they’re down home people.”