Insurance policies can be complex and confusing, especially when it comes to getting your insurance company to honor the policy’s terms.
The North Carolina Department of Insurance (NCDOT) explains that med pay, which is medical payment under an auto insurance policy, covers reasonable and necessary medical and funeral expenses due to a car accident. With med pay, there is no need to establish who caused the accident ― the insurance company must pay regardless.
Med pay covers the following individuals in an accident: family members, pedestrians struck by a motor vehicle and anyone else occupying the covered vehicle or any vehicle that you or a family member drives.
Med pay does not cover accidents in vehicles that are less than four wheels (motorcycles, etc.). The amount covered depends on the policy limits. In an accident your med pay must cover the costs even when health insurance would completely cover the bills. Because liability insurance offers you no medical coverage protection when the other driver does not carry liability insurance, you are wise to include med pay in your auto insurance coverage.
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