No, medical payment coverage is not required in North Carolina. Medical payment coverage, or MedPay, is an optional type of car insurance in North Carolina that pays for medical expenses after a car accident for the policyholder, other drivers named in the policy, and their passengers. In North Carolina, Medpay claims shouldn't increase your insurance premiums. This is because MedPay is considered no-fault coverage and is considered to be contractual in nature.
However, every policy is different, so it's important that you check with your insurance company to see if filing a claim will affect your rates. In North Carolina, drivers are not legally required to have a medical payment clause in their insurance policy. You might be tempted to give up medical payment coverage to save money on your car insurance, but medical payment coverage can help you or your passengers financially if either of you is injured in a car accident. There are several factors that affect how much you'll pay for car insurance in Alabama, such as your driving history, age and location, the amount of coverage you buy, and the insurance company you buy it from.
However, the specific nature of your contractual relationship is governed by the terms of your insurance policy with your insurance company or the insurance company that provides the coverage. There are numerous exclusions associated with North Carolina MedPay insurance policies that prohibit this type of coverage or exclude your request. By law, North Carolina auto insurance policies must include several types of coverage within their terms, including coverage for underinsured motorists and coverage for uninsured motorists. The car accident lawyers at Ward Black Law in North Carolina have extensive experience helping people who have been injured seek the full and fair compensation that is due to them.
For example, MedPay might be worth it if your health insurance plan requires high out-of-pocket costs or if you don't have health insurance. If you are injured in a car accident in North Carolina, you may be able to receive MedPay (medical payment coverage) through your car insurance policy. Medical payments insurance (MedPay) covers the medical bills of the policyholder and their passengers after a car accident, regardless of who was responsible for the accident. You may still be able to find cheap car insurance and, at the same time, include (or increase your level) of medical payment coverage, since this is usually low-cost coverage.
In addition to hospital or doctor bills, MedPay can be used to pay deductibles or co-pays for other types of coverage, such as health insurance or car insurance with personal injury protection (PIP). If you have any questions about how Medpay works in North Carolina, or if you need help filing a claim, contact an experienced car accident lawyer. Even if you already have health insurance, medical payment insurance may be indispensable, as it can help cover the out-of-pocket expenses that your health insurance may leave you, such as deductibles. Unlike auto insurance for bodily injury or property damage liability, North Carolina law doesn't require drivers to have MedPay coverage.
North Carolina law doesn't require motorists to purchase Med Pay coverage, even though many insurers offer it.