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Recovering Medical Payments Coverage Following North Carolina Car Accident


Automobile insurance policies in North Carolina are required to include several types of coverage, including: third-party liability coverage, underinsured motorist coverage, and uninsured motorist coverage.  An 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 or not you caused the collision.  If you have been involved in a North Carolina car accident, the Wake County civil litigation attorneys of Maginnis Law, PLLC 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 in regard to Medical Payments coverage worth explaining.  First, you are entitled to your Med-Pay coverage after your car accident whether or not you have health insurance.  Even if your health insurance pays 100% of your medical bills, you are still entitled to receive the full costs of those medical bills under your Medical Payments coverage with your automobile insurer.  One might argue this is, in effect, a “double recovery,” but, if so, 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, unless one of those exclusions apply, the following persons are insured:  (1) the named insured and his or her spouse (if they live in the same house) (2) any family member residing in the named insured’s residence and (3) anyone else using the vehicle at the time of the car accident.  The personal injury lawyers of Maginnis Law, PLLC can help you determine whether you are covered under a particular policy’s Med-Pay coverage.

Maginnis Law, PLLC, is a Wake County, North Carolina civil litigation law firm servicing Raleigh, Cary, Durham, Apex, Chapel Hill, Morrisville, Clayton, Wake Forest, and the surrounding Triangle area.  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 personal injuries.

You may contact the Wake County car accident attorneys of Maginnis Law, PLLC at 919.480.8526.  If you would rather contact our civil litigation personal injury lawyers using our website, you can submit a new case inquiry by visiting

Merger Announcement

We are pleased to announce that Charles G. Monnett III & Associates of Charlotte and Britton Law of Fayetteville are now part of Maginnis Howard. For more information on the merger, see this post. For more information on each location, visit the Our Firm tab in the navigation menu.

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