How Does Medpay Work in North Carolina?

If you are injured in a car accident in North Carolina, you may be able to receive MedPay (medical payments coverage) through your auto insurance policy. This type of coverage is known as medpay, which can help you pay for medical expenses related to your injuries.

At The Law Offices of Jason E. Taylor, our experienced North Carolina car accident lawyers can help you understand how medical payment coverage works and whether you are eligible for coverage. Contact us today for a free consultation.

What Is Medical Payments Coverage in North Carolina?

Medical payments coverage, or MedPay, is insurance coverage that can help you pay for medical expenses related to injuries sustained in a car accident. MedPay is not health insurance, but it can help you cover the cost of medical treatment if you are injured in an accident.

Unlike bodily injury car insurance or property damage liability, North Carolina law does not require drivers to have MedPay coverage. However, it is an important type of coverage to have if you are involved in a car accident.

Who Is Eligible for Medical Payments Insurance in North Carolina?

Insurance policies that include MedPay coverage are designed to protect all vehicle passengers if they are injured due to an accident, regardless of fault. MedPay may also provide coverage for relatives who live in the same household and any vehicles they drive.

it is important to remember that you can only get injuries covered if:

  • If you suffered an injury in a vehicle accident
  • If you insured reasonable and necessary medical expenses due to the accident.

Getting Your Medical Bills Paid With Medpay in North Carolina

MedPay allows you to file a claim through your own insurance company. Its purpose is to reimburse the insured for the accident’s reasonable and necessary medical and funeral expenses. Coverage amounts typically range between $1,000 and $10,000. However, it is not uncommon for MedPay policies to have coverage amounts of $50,000 or $100,000.

MedPay coverage can help cover your co-pay or other related expenses, even if you have health insurance.

What Are Considered “Reasonable and Necessary” Medical Expenses?

A reasonable medical expense is consistent with what is typically charged for similar services in the geographic region where the treatment was rendered. A necessary medical expense is required and expected medical treatment rendered by a suitably licensed medical professional practicing within their approved scope of medicine.

To get your medical bills paid with Medpay, you must submit a claim to your insurance company. You will need to provide documentation of your injuries and medical expenses. Once your claim is approved, your insurance company will send you a check for the covered expenses. You can then use this money to pay for your medical bills.

How Long Does It Take to Receive Reimbursement After Filing a MedPay Claim?

Once you submit everything to the adjuster, it can typically take two to four weeks to review and process the request, depending on the insurer or adjuster. For more specific timelines, you can ask the adjuster for turnaround times.

Patience is important when dealing with any insurance company, but it is especially important when dealing with Medpay claims. The review and approval process can take some time, but it is important to stay patient and follow up with your insurance company if you have not received a response within the promised timeframe.

Will Filing a Medical Payments Claim Raise My Premium?

In North Carolina, Medpay claims should not raise your insurance premiums. This is because MedPay is considered no-fault coverage and is considered contractual in nature. However, each policy is different, so it is important to check with your insurance company to see if filing a claim will affect your rates.

What Do I Do Once I Receive My Reimbursement Check?

Once you receive your reimbursement check, assuming you don’t have any medical liens, you should use the check to pay off your outstanding medical bills. An insurance claim aims to make you “whole” again, which means getting you back to the financial position you were in before the accident.

If you have any questions about how Medpay works in North Carolina, or if you need help filing a claim, contact an experienced car accident lawyer. At The Law Offices of Jason E. Taylor, we can help you file a claim and handle all the paperwork so you can focus on healing.

When Does Medpay Not Apply?

North Carolina MedPay has a few exclusions that provide no coverage. These include:

  • If you were occupying a taxi or while transporting people or goods for money
  • If you were injured while driving a vehicle during employment if workers’ compensation is required or voluntarily given
  • While driving a car without permission
  • While using or operating any motorized vehicle with less than four wheels

If you have any questions about whether med pay coverage is available for your accident, contact an experienced car accident lawyer. At The Law Offices of Jason E. Taylor, we can help you understand your coverage and file a claim so you can get the reimbursement you deserve.

You Have a Limited Amount of Time to Seek Medpay Coverage

Like most insurance policies, there is a statute of limitations, or time limit, for seeking Medpay coverage. In North Carolina, you have three years from the date of the accident to file a claim. If you do not file within this timeframe, you will likely be unable to recover any reimbursement for your medical expenses.

Contact a Car Accident Attorney for Assistance With Your Claim

If you have been injured in a car accident, contact an experienced attorney who can help you understand your rights and options. At The Law Offices of Jason E. Taylor, we have years of experience handling Medpay claims and can help you get the reimbursement you deserve. We value the attorney-client relationship and will fight to ensure your rights are protected. Contact us today for a free consultation.

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Notice of Data Security Event
Updated March 28, 2025

The Law Offices of Jason E. Taylor is providing notice of an event that may affect certain individuals’ information. Although we have no indication of identity theft or fraud in relation to this event, we are providing information about the event, our response, and additional measures individuals can take to help protect their information, should they feel it appropriate to do so.

What Happened? On October 28, 2024, The Law Offices of Jason E. Taylor identified suspicious activity related to our email system. We quickly took steps to investigate and determined that an unknown actor may have accessed certain emails within our email system between August 7 and November 7, 2024. We then conducted a comprehensive review of the potentially affected emails and attachments to determine what information was contained therein and to whom the information related, which was completed on February 25, 2025. Unfortunately, we were unable to verify the addresses of certain affected individuals, so we are providing this notice to ensure potentially affected individuals receive information about the event.

What Information Was Involved? The information affected may include individuals’ Social Security number, driver’s license and state ID information, financial account number, and health information.

What We Are Doing. We are notifying individuals about this matter and providing guidance about free resources that are available to assist with monitoring relevant accounts, credit reports, and how to place a fraud alert or security freeze on one’s credit file. Further, as with our typical security practices, we will continue to evaluate our policies, procedures, staff training, and technical security measures to reduce the likelihood of an event like this reoccurring.

What Individuals Can Do. We encourage you to remain vigilant against incidents of identity theft and fraud by reviewing your account statements and monitoring your free credit reports for suspicious activity and to detect errors. We also recommend you review the below “Steps Individuals Can Take To Help Protect Personal Information”.

For More Information. If individuals have questions about this matter, we have a dedicated assistance line with agents ready to answer their questions. Please contact our toll-free dedicated assistance line at 1-800-939-4170, Monday through Friday from 9 a.m. through 9 p.m., excluding holidays. You may also write to us at The Law Offices of Jason E. Taylor, Attn: Compliance, P.O. Box 2688, Hickory, NC 28603.

Sincerely,

The Law Offices of Jason E. Taylor

STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT PERSONAL INFORMATION

Monitor Your Accounts

Under U.S. law, a consumer is entitled to one free credit report annually from each of the three major credit reporting bureaus, Equifax, Experian, and TransUnion. To order a free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. Consumers may also directly contact the three major credit reporting bureaus listed below to request a free copy of their credit report.

Consumers have the right to place an initial or extended “fraud alert” on a credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If consumers are the victim of identity theft, they are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should consumers wish to place a fraud alert, please contact any of the three major credit reporting bureaus listed below.

As an alternative to a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prohibit a credit bureau from releasing information in the credit report without the consumer’s express authorization. The credit freeze is designed to prevent credit, loans, and services from being approved in a consumer’s name without consent. However, consumers should be aware that using a credit freeze to take control over who gets access to the personal and financial information in their credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application they make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, consumers cannot be charged to place or lift a credit freeze on their credit report. To request a credit freeze, individuals may need to provide some or all of the following information:

1. Full name (including middle initial as well as Jr., Sr., II, III, etc.);
2. Social Security number;
3. Date of birth;
4. Addresses for the prior two to five years;
5. Proof of current address, such as a current utility bill or telephone bill;
6. A legible photocopy of a government-issued identification card (state driver’s license or ID card, etc.); and
7. A copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft if they are a victim of identity theft.

Should consumers wish to place a credit freeze or fraud alert, please contact the three major credit reporting bureaus listed below:

Equifax Experian TransUnion
https://www.equifax.com/personal/credit-report-services/ https://www.experian.com/help/

https://www.transunion.com/credit-help
1-888-298-0045 1-888-397-3742 1-800-916-8800
Equifax Fraud Alert, P.O. Box 105069 Atlanta, GA 30348-5069 Experian Fraud Alert, P.O. Box 9554, Allen, TX 75013 TransUnion Fraud Alert, P.O. Box 2000, Chester, PA 19016
Equifax Credit Freeze, P.O. Box 105788 Atlanta, GA 30348-5788 Experian Credit Freeze, P.O. Box 9554, Allen, TX 75013 TransUnion Credit Freeze, P.O. Box 160, Woodlyn, PA 19094

Additional Information

Consumers may further educate themselves regarding identity theft, fraud alerts, credit freezes, and the steps they can take to protect their personal information by contacting the consumer reporting bureaus, the Federal Trade Commission, or their state attorney general. The Federal Trade Commission may be reached at: 600 Pennsylvania Ave NW, Washington, DC 20580; www.identitytheft.gov; 1-877-ID-THEFT (1-877-438-4338); and TTY: 1-866-653-4261. The Federal Trade Commission also encourages those who discover that their information has been misused to file a complaint with them. Consumers can obtain further information on how to file such a complaint by way of the contact information listed above. Consumers have the right to file a police report if they ever experience identity theft or fraud. Please note that in order to file a report with law enforcement for identity theft, consumers will likely need to provide some proof that they have been a victim. Instances of known or suspected identity theft should also be reported to law enforcement and the relevant state attorney general. This notice has not been delayed by law enforcement.

For District of Columbia residents, the District of Columbia Attorney General may be contacted at: 400 6th Street, NW, Washington, DC 20001; 1-202-442-9828; and oag.dc.gov.

For Maryland residents, the Maryland Attorney General may be contacted at: 200 St. Paul Place, 16th Floor, Baltimore, MD 21202; 1-410-576-6300 or 1-888-743-0023; and https://www.marylandattorneygeneral.gov/.

For New Mexico residents, consumers have rights pursuant to the Fair Credit Reporting Act, such as the right to be told if information in their credit file has been used against them, the right to know what is in their credit file, the right to ask for their credit score, and the right to dispute incomplete or inaccurate information. Further, pursuant to the Fair Credit Reporting Act, the consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information; consumer reporting agencies may not report outdated negative information; access to consumers’ files is limited; consumers must give consent for credit reports to be provided to employers; consumers may limit “prescreened” offers of credit and insurance based on information in their credit report; and consumers may seek damages from violators. Consumers may have additional rights under the Fair Credit Reporting Act not summarized here. Identity theft victims and active-duty military personnel have specific additional rights pursuant to the Fair Credit Reporting Act. We encourage consumers to review their rights pursuant to the Fair Credit Reporting Act by visiting www.consumerfinance.gov/f/201504_cfpb_summary_your-rights-under-fcra.pdf, or by writing Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave NW, Washington, DC 20580.

For New York residents, the New York Attorney General may be contacted at: Office of the Attorney General, The Capitol, Albany, NY 12224-0341; 1-800-771-7755; or https://ag.ny.gov.

For North Carolina residents, the North Carolina Attorney General may be contacted at: 9001 Mail Service Center, Raleigh, NC 27699-9001; 1-877-566-7226 or 1-919-716-6000; and www.ncdoj.gov.

For Rhode Island residents, the Rhode Island Attorney General may be reached at: 150 South Main Street, Providence, RI 02903; 1-401-274-4400; and www.riag.ri.gov. Under Rhode Island law, individuals have the right to obtain any police report filed in regard to this event.
STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT A MINOR DEPENDENT’S PERSONAL INFORMATION

Typically, credit reporting agencies do not have a credit report in a minor’s name. To find out if a minor has a credit report or to request a manual search for a minor’s Social Security number each credit bureau has its own process. To learn more about these processes or request these services, consumers may contact the credit bureaus by phone, writing, or online:
Equifax Experian TransUnion
https://www.equifax.com/personal/help/article-list/-/h/a/request-child-credit-report/
https://www.experian.com/help/minor-request.html
https://www.transunion.com/fraud-victim-resources/child-identity-theft

1-800-685-1111 1-888-397-3742 1-800-916-8800
P.O. Box 105788
Atlanta, GA 30348-5788 P.O. Box 9554
Allen, TX 75013 P.O. Box 2000
Chester, PA 19016

To request information about the existence of a credit file in a minor’s name, search for a minor’s Social Security number, place a security freeze or fraud alert on a minor’s credit report (if one exists), or request a copy of a minor’s credit report consumers may be required to provide the following information:
● A copy of their driver’s license or another government issued identification card, such as a state identification card, etc.;
● Proof of address, such as a copy of a bank statement, utility bill, insurance statement, etc.;
● A copy of the minor’s birth certificate;
● A copy of the minor’s Social Security card;
● The minor’s full name, including middle initial and generation, such as JR, SR, II, III, etc.;
● The minor’s date of birth; and
● The minor’s previous addresses for the past two years.

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