In North Carolina, many people add an optional coverage to their auto or homeowners insurance called medical payments, or med pay, coverage. Med pay is not based on fault. It would cover medical expenses, up to your limit of liability, for each person who was injured while occupying your automobile. It would also cover anyone occupying a vehicle you are driving. Finally, it would cover you or your family members in any vehicle.Doctors, hospitals, and other health care providers expect payment up front or immediately following treatment. Someone who has been injured in an accident is often unable to work and so is without his normal income. He can have a very difficult time getting the medical care he needs. A liability claim can take months or even years to resolve. This is where med pay comes in. The injured person can get treatment knowing his med pay coverage will help with the bills regardless of how the accident happened.

We have all seen the ads on television in which insurance companies contend they are the cheapest. One of the ways they reduce the cost of a policy is by eliminating the med pay provisions. Before you do that, you need to consider its cost, its benefit, and whether you can afford to get appropriate medical care if you do not have it. Your insurance agent can talk with you about your situation and help you decide whether med pay is a coverage that is worth its premium to you.

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