One insurance benefit that many automobile accident victims do not know about, and subsequently lose thousands of dollars is commonly known as “Med-Pay.” Med-Pay is a medical payment provision written into most liability insurance policies.
Med-Pay coverage provides medical expense payment incurred as a result of injuries sustained by any person riding in the car which is covered by Med-Pay insurance, whether or not the injured person is an owner or not. Med-Pay is not unlimited, the limit of most Mid-Pay policies in North Carolina tends to be one to two thousand dollars. Five thousand dollar limits seem to be the most common.
Med Pay insurance is “no-fault” meaning it is payable regardless of who caused the accident. However, if you do have a claim against an at-fault driver, you will be able to claim all your medical bills, and not have to pay back the Med-Pay insurance company. . In addition, Med-Pay coverage will not be reduced because your health insurance policy paid some, or all, of your bills
If you are 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.
It is normally easy to collect a Med-Pay claim. All that is usually necessary is for you to send a copy of the accident report and a copy of your medical bills to the insurance company. You usually will not need a lawyer to help you with this claim.
--Bradley A. Coxe is a practicing attorney in Wilmington, NC who specializes in Personal Injury, Medical Malpractice, Contract and Real Estate disputes and all forms of Civil Litigation. Please contact him at (910) 772-1678.
Is MedPay considered "overlapping coverage" with other group medical plans? Does a person need both? Will it cover my medical costs if I am injured in a car that I don't own?
ASC
Posted by: ASC | June 01, 2010 at 06:01 PM
Medical negligence litigation is the legal process of taking a case through court when you or a loved one has been the victim of medical negligence.
Posted by: medical negligence litigation | April 01, 2011 at 08:01 AM
The extent of the physical examination, the complexity of the medical decision making and the background information (history) obtained from the patient are evaluated to determine the correct level of service that will be used to bill the insurance.
Posted by: medical malpractice claims | June 28, 2011 at 12:48 AM
SO IF THE CAR THAT YOU ARE DRIVING BELONG TO SOMEONE ELSE HAVE MID PAY ON THERE SELF WILL PAY YOU MID PAY IF YOU DON'T HAVE MID PAY ON YOURSELF
Posted by: MARY | October 02, 2012 at 02:42 PM
Usually Med Pay is contained in the insurance held by the owner of the car. It typically will cover an injured person in the car even if they are not the owner.
Posted by: Bradley Coxe | October 02, 2012 at 03:28 PM