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Recovering Medical Payments Coverage After a Car Accident


Automobile insurance policies in North Carolina must include several types of coverage, including third-party liability coverage, underinsured motorist coverage, and uninsured motorist coverage.  Optional coverage available to North Carolina motorists is Medical Payments coverage.  Often referred to as “Med-Pay” coverage, this insurance reimburses you for medical costs resulting from a car accident up to the policy’s stated Medical Payments limit.  It is irrelevant whether you caused the collision.  If you have been involved in a North Carolina car accident, the Wake County civil litigation attorneys of Maginnis Howard can help you recover full reimbursement of your health care costs under your Medical Payments coverage and assist you in obtaining a fair settlement under all other available insurance.

There are a couple of additional points regarding Medical Payments coverage worth explaining.  First, you are entitled to Med-Pay coverage, regardless of health insurance, after your car accident.  Even if your health insurance pays 100% of your medical bills, you can still receive the full costs under your Medical Payments coverage with your automobile insurer.  One might argue this is, in effect, a “double recovery.” However, this is a consequence of you paying premiums for two separate insurances, your health insurance and your Medical Payments insurance.

The second issue worth discussing is who is insured by your Med-Pay coverage. While your policy likely contains a laundry list of exclusions that may limit coverage, the following persons are generally insured.

  • the named insured and their spouse (if they live in the same house)
  • any family member residing in the named insured’s residence
  • anyone else using the vehicle at the time of the car accident

An experienced personal injury attorney can help you determine whether you are covered under a particular policy’s Med-Pay coverage.

Maginnis Howard is a North Carolina civil litigation law firm with three conveniently located offices across the state.  We offer free consultations for all personal injury cases and accept such cases on a contingency basis. You pay no attorneys’ fees unless you recover damages for your injuries.

You may contact the car accident attorneys of Maginnis Howard by submitting a request through our contact page. Visit the Locations tab from the navigation tab for information on our Raleigh, Charlotte, and Fayetteville offices.