Medical Payments coverage offers extra insurance for medical expenses if you or passengers get injured in a car accident. This type of voluntary auto insurance coverage is something many people are unfamiliar with, but something every driver should consider having on their auto insurance policy.
While other states’ insurance laws require Personal Injury Protection (PIP) coverage, this is not a requirement in North Carolina. Most common types of auto insurance (liability, collision and comprehensive) only cover vehicle or property damage in an accident, meaning you are left responsible for paying any medical expenses as needed.
Medical payments can help pay for medical expenses that include:
It is important to note that this type of coverage is available regardless of who is at fault in the accident. Medical payments can also cover policyholders and their family members if an accident occurs in another person’s vehicle, or if they’re a pedestrian hit by a vehicle. While many health insurance policies will cover some of your medical expenses, they can come with very high deductibles. Medical payments coverage can help pay for deductibles, as well as remaining fees that were not covered.
Medical payments coverage should not be confused with bodily injury liability coverage. Body injury liability coverage will cover medical expenses, pain and suffering, lost wages and other damages to the other party in an accident that you were ruled legally responsible for. It will not cover you or your passengers’ expenses.
The limits of medical payments coverage is set by you and your insurance company. It is an optional coverage, but for only a few dollars a month, you and your family could have peace of mind knowing that you are covered in case of a serious accident.
The car accident lawyers at Hull & Chandler, P.A., are experienced in helping their clients recover their medical payments coverage in these situations. Contact the firm here to discuss the particulars of your case and how we can assist you. Call 704-375-8488 today for a free case consultation.