Call Us 919-240-4054When it comes to car insurance, there may be something your agent has neglected to tell you. Medical Payment Coverage, known as MedPay, may provide you with much-needed funds not supplied by your vehicle or health insurance. An optional type of coverage not required by the state, (unlike uninsured motorist coverage, which is mandatory for all NC drivers), MedPay can provide you with monetary assistance at a time you may need it most regardless of who caused the accident.
Many people think they don’t need the Med Pay option because they have health insurance as well as the state-required vehicle insurance and they feel additional coverage is unnecessary. However, MedPay can be extremely helpful even for well-insured drivers in the event of an accident. The money you receive can be used towards your health plan’s deductible or can cover services outside of the scope of your health insurance and car insurance. For instance, if you chip a tooth during your collision and your insurance does not account for dental expenses. MedPay can be used to cover those costs. Furthermore, MedPay covers all occupants of your vehicle, where as your health plan and some types of car insurance will cover only you. The coverage also extends to vehicle accidents involving pedestrians: if you are hit by a car and you have MedPay, you can collect.
Other post-accident needs that MedPay can help with:
- Doctor visits
- Hospital stays
- Surgery
- X-rays
- EMT and ambulance fees
- Home Health Care
- Prostheses
- Funeral Costs
Ask your vehicle insurance carrier about MedPay. In the unfortunate event of an accident, you’ll be glad you did.