Monday, September 17, 2018
The Importance of Medical Payments (“Med Pay”) coverage for North Carolina Drivers
What is Med-Pay coverage?
North Carolina drivers involved in auto accidents often overlook a source of money available to them through their own insurance. Unbeknownst to many drivers, their policies include medical payments “Med Pay” coverage which covers any medical expenses related to an accident up to the amount of coverage. Med Pay coverage can be anywhere from $1,000 to $100,000!
When can I collect?
Receiving your Med Pay coverage is usually very easy. All you need to do is contact your insurance company and file a claim by submitting your medical bills along with a copy of the accident report. At Hemmings & Stevens, we file these claims for you for no additional charge.
Why is Med Pay so important in North Carolina?
a. North Carolina follows the doctrine of contributory negligence, which bars recovery by a plaintiff if he or she is partially at-fault. Consequently, many claims are denied when the at-fault driver can point to anything you did to contribute to the accident. However, Med Pay is available regardless of fault. So, even if your claim against an at-fault driver is denied, you still have insurance to cover your medical costs.
b. Even if the at-fault driver’s insurance company accepts liability, a bodily injury claim may take a while to resolve. Typically, bodily injury claims do not settle until all medical treatment is completed. Even then, it may take months for the at-fault insurance company to compensate you fairly. If you have Med Pay coverage, you can have your bills paid much faster.
c. It’s CHEAP!!! Most drivers don’t realize they even have Med Pay coverage because it’s so inexpensive that they don't notice they're even paying for it. So, they simply overlook it. At Hemmings & Stevens, we will review all your coverages and obtain everything you’re entitled to. Additionally, we encourage all of our clients to INCREASE their Med Pay coverage going forward.
Call Hemmings & Stevens today for more information.
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