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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    In the event of a car accident, medical expenses can quickly accumulate and put a significant financial burden on individuals involved. That's where Medical Payments coverage, commonly known as "Med Pay," comes into play for North Carolina drivers.

    Med Pay is an optional insurance coverage that helps pay for medical expenses resulting from a car accident, regardless of who is at fault. It provides peace of mind knowing that you and your passengers are protected from the high costs associated with injuries sustained in an accident.

    For North Carolina drivers, having Med Pay coverage is especially important due to the state's limited tort system. Under this system, injured parties may only pursue compensation for medical expenses if their injuries meet certain criteria defined by law.

    By having Med Pay coverage in place, you can ensure that your medical bills are covered up to the policy limit regardless of fault or meeting specific legal thresholds. This means quicker access to necessary medical treatments without worrying about out-of-pocket expenses.

    Moreover, Med Pay can be particularly beneficial for those without health insurance or with high deductibles. It fills the gap by covering immediate medical costs while you navigate any potential claims or legal proceedings related to the accident.

    Additionally, Med Pay extends beyond just covering your own medical expenses; it also applies to your passengers' injuries sustained in an accident involving your vehicle. This extra layer of protection ensures that everyone involved receives necessary care without undue financial strain.

    In conclusion, Medical Payments ("Med Pay") coverage is crucial for North Carolina drivers as it offers essential financial protection against unexpected and potentially overwhelming medical expenses resulting from car accidents. By adding this optional coverage to your auto insurance policy, you can drive with confidence knowing that you have a safety net when it comes to unforeseen injuries on the road. Most students are drawn to these types of articles and information, but they are unable to prepare for their exams, If you have been struggling with your exams and want assistance, students can do my online exam for me - do my online exam and get higher grades on their examinations by providing them with the best available resources, including quality academic services.


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