Medical payments (MedPay) coverage is optional, no-fault auto insurance that reimburses reasonable and necessary medical bills from a crash, up to your policy limit, regardless of who caused the wreck. In North Carolina, you claim MedPay from your own insurer by submitting proof of treatment and costs. Providers can assert liens against your liability settlement, but MedPay itself usually is paid directly to you or your attorney and is not reduced by fault issues. Timing and documentation requirements are driven by your policy.
In North Carolina personal injury cases, people often ask: “How do I use my MedPay coverage to get my medical bills paid after a crash?” You want to know who files the claim, what to send, when payment happens, and how MedPay interacts with liability settlements and medical liens. Here, you were injured in a multi-vehicle collision and have both medical bills and a low first offer on your injury claim.
MedPay is first-party, no-fault auto coverage. It pays for crash-related medical expenses (and sometimes funeral costs) for you and passengers, up to the limit you bought. You make the claim with your own insurer. North Carolina law also allows medical providers to assert statutory liens against your liability settlement, and attorneys must honor perfected liens within statutory caps when disbursing settlement funds. Policy terms control MedPay deadlines, eligible expenses, and proof requirements.
Apply the Rule to the Facts: Because you have MedPay, you can submit your crash-related bills to your own insurer for reimbursement up to your MedPay limit while you negotiate your liability claim. You or your attorney should send itemized bills and records promptly, following the insurer’s proof-of-loss requirements. When the liability settlement arrives, your attorney must honor any perfected provider liens within the statutory cap and distribute pro rata if necessary. Your MedPay payment typically does not reduce your liability settlement offer.
In North Carolina, MedPay is no-fault, first-party coverage that reimburses reasonable, necessary crash-related medical bills up to your policy limit. You claim it from your own insurer by submitting required proof of loss and itemized bills on your insurer’s timeline. When your liability case resolves, your attorney must honor perfected medical provider liens within the statutory cap and distribute funds pro rata if needed. Next step: file a MedPay claim with your insurer and send complete medical billing to start reimbursement.
If you're dealing with medical bills, MedPay questions, and lien issues after a crash, our firm has experienced attorneys who can help you understand your options and timelines. Call us today to discuss your claim.
Disclaimer: This article provides general information about North Carolina law based on the single question stated above. It is not legal advice for your specific situation and does not create an attorney-client relationship. Laws, procedures, and local practice can change and may vary by county. If you have a deadline, act promptly and speak with a licensed North Carolina attorney.