[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.wardblacklaw.com\/blog\/what-is-med-pay-auto-insurance\/#BlogPosting","mainEntityOfPage":"https:\/\/www.wardblacklaw.com\/blog\/what-is-med-pay-auto-insurance\/","headline":"What Is Med Pay Auto Insurance?","name":"What Is Med Pay Auto Insurance?","description":"If you\u2019ve been injured in a car accident in North Carolina, finding a way to pay your medical bills can be challenging. No one ever plans to be severely injured, and the cost of treatment could put significant strain on your finances. You may be able to recover compensation for your injuries by making an […]","datePublished":"2021-06-17","dateModified":"2022-04-30","author":{"@type":"Person","@id":"https:\/\/www.wardblacklaw.com\/blog\/author\/jwblack\/#Person","name":"Janet Ward Black","url":"https:\/\/www.wardblacklaw.com\/blog\/author\/jwblack\/","identifier":14,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edc96e185a30b6ec39b45465cca830773422abeb32ad4d03a253c4b113670540?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edc96e185a30b6ec39b45465cca830773422abeb32ad4d03a253c4b113670540?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Ward Black Law","logo":{"@type":"ImageObject","@id":"https:\/\/www.wardblacklaw.com\/wp-content\/uploads\/2022\/04\/logo.png","url":"https:\/\/www.wardblacklaw.com\/wp-content\/uploads\/2022\/04\/logo.png","width":116,"height":119}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wardblacklaw.com\/wp-content\/uploads\/2021\/06\/med-pay-auto-insurence.jpg","url":"https:\/\/www.wardblacklaw.com\/wp-content\/uploads\/2021\/06\/med-pay-auto-insurence.jpg","height":667,"width":1000},"url":"https:\/\/www.wardblacklaw.com\/blog\/what-is-med-pay-auto-insurance\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=8XaK-pBCmxE#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=8XaK-pBCmxE","name":"Ward Black Law:  How can Med Pay coverage in NC help me?","description":"The attorneys at Ward Black Law in Greensboro, N.C., help people who need a powerful voice. If you have been hurt because of the negligence of others, you may not know what to do or say. Perhaps you have been injured at work, you have been in a car wreck or been injured by a dangerous drug or defective product. You may need legal guidance with a family matter, such as child custody or divorce. You may not know your rights. You may not be comfortable dealing with insurance companies. You may need legal help from local attorneys who care. The attorneys at Ward Black Law can help. We act as a powerful voice for our clients across North Carolina, taking the weight off their shoulders so they can focus on moving forward.\n\nIf you\u2019ve been injured, give us a call.\n_____________________________________\n\nWard Black Law\n208 West Wendover Avenue\nGreensboro, NC 27401\nCall Toll-Free or Text: 800-531-9191\nLocal Phone: 336-333-2244\ninfo@wardblacklaw.com","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/8XaK-pBCmxE\/default.jpg","https:\/\/i.ytimg.com\/vi\/8XaK-pBCmxE\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/8XaK-pBCmxE\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/8XaK-pBCmxE\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/8XaK-pBCmxE\/maxresdefault.jpg"],"uploadDate":"2021-04-08T12:53:06+00:00","duration":"PT1M55S","embedUrl":"https:\/\/www.youtube.com\/embed\/8XaK-pBCmxE","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCMPC2G3je92ZufeD5R3lWWg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCMPC2G3je92ZufeD5R3lWWg","name":"Ward Black Law","description":"Ward Black Law is a group of attorneys and legal professionals who consider it a privilege to protect the rights of their clients. We are a personal injury firm that serves a wide range of clients, seeking justice for those who have been wronged. To learn more about the types of cases Ward Black Law works on, visit wardblacklaw.com \n\nAs you can see from our YouTube channel, the people at Ward Black Law are dedicated not only to our clients' cases, but also to the community in which we work, live, and enjoy family and friends. We serve our clients and our community with Integrity, Compassion, Experience and Knowledge, and we're not afraid to have a little fun in the process!\n\nIf you would like to speak with someone at our firm about a legal matter or to connect on one of our many areas of outreach, feel free to give us a call: 800.531.9191","logo":{"url":"https:\/\/yt3.ggpht.com\/ncPXUko3eSs3OgdBez4ml_yPa1iCigI9f3w9izbz8lmh3JqZE1lp5FQSSRiLvbpsYTlpT-HPRg=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=8XaK-pBCmxE#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=8XaK-pBCmxE#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=8XaK-pBCmxE&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=8XaK-pBCmxE#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":55013}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=8XaK-pBCmxE#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":43}]},"about":["Auto Accidents"],"wordCount":592,"articleBody":"If you\u2019ve been injured in a car accident in North Carolina, finding a way to pay your medical bills can be challenging. No one ever plans to be severely injured, and the cost of treatment could put significant strain on your finances.You may be able to recover compensation for your injuries by making an injury claim against the other driver\u2019s insurance coverage or filing a personal injury lawsuit, but it might take a long time to get the money you\u2019re owed. So, how are you supposed to pay your bills in the meantime?\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOne option in these situations is to use the Medical Payments (Med Pay) coverage on your own auto insurance policy. To learn more about Med Pay coverage and how it works, keep reading. And if you have any additional questions, contact the car accident lawyers at Ward Black Law today.What Does Med Pay Cover?Medical Payments coverage is an optional, no-fault benefit available through most auto insurance providers in North Carolina. If you elect to purchase medical payments coverage, you can use these benefits to cover your medical expenses after an accident, up to the limits of the policy you\u2019ve purchased.This includes the cost of things like:Deductibles and copays for your health insurance planDoctor\u2019s visitsHospital staysSurgeriesX-rays and other imagingLab workAmbulance feesCoverage is typically available in various amounts, such as $1,000, $2,000, $5,000, $10,000, or more. North Carolina law does not require motorists to purchase Med Pay coverage, even though many insurers offer it. To obtain this type of coverage for yourself, you\u2019ll need to go through your auto insurance provider. To see if you have med pay coverage, look at your car insurance policy\u2019s declaration page. Still not sure? Give us a call and we will let you know for free.How Do I File a Med Pay Claim?Even though North Carolina does not use a no-fault system for car accidents, Med Pay is a no-fault benefit. This means that you will file a claim with your own insurance company under the terms of your existing Med Pay policy \u2013 even if someone else was to blame for the crash.If you do not have Med Pay coverage at the time of the accident, you would likely have to find another option to cover your expenses.Why Should I Use \u2018My Insurance\u2019 When I Was Not the One At Fault?The main advantages of Med Pay coverage are that it\u2019s a no-fault benefit and that filing a Med Pay claim could help you get the money you need quickly. Even if your Med Pay coverage isn\u2019t enough to cover the full extent of your medical bills, these benefits give you some breathing room while you seek compensation from the driver responsible for your injuries.You might have a strong injury claim against the other driver, but getting compensation could involve a long and contentious process. In contrast, filing a Med Pay claim is relatively quick and easy since you don\u2019t have to prove fault.Contact Our Experienced Greensboro Car Accident Lawyers TodayEven with Med Pay coverage, you might face significant physical and financial hardship after a car accident. The North Carolina car accident lawyers at Ward Black Law have extensive experience helping people who\u2019ve been hurt seek the full and fair compensation they\u2019re owed. Let us put our skills to work for you. Call us or reach out to us online today for a free and confidential case review."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.wardblacklaw.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"What Is Med Pay Auto Insurance?","item":"https:\/\/www.wardblacklaw.com\/blog\/what-is-med-pay-auto-insurance\/#breadcrumbitem"}]}]