How Does MedPay Work in South Carolina?

If you are injured in a car accident in South Carolina, you may be entitled to receive MedPay benefits. This type of coverage helps pay for medical expenses related to the accident.

At The Law Offices of Jason E. Taylor, we have represented many clients who have been injured in car accidents. We know the ins and outs of the insurance system and can help you get the MedPay benefits you need to cover your medical costs. Contact us today to schedule a free consultation.

Medical Payments Coverage in South Carolina

MedPay is not required in South Carolina, unlike bodily injury liability coverage, but it is a type of coverage that can be purchased as part of your car insurance policy. This coverage will pay for medical bills related to an auto accident, regardless of who is at fault.

What Does Medical Payments Insurance Cover?

If you have MedPay coverage, it applies in all states. It can help pay for:

  • Ambulance fees
  • Doctor’s visits
  • Prosthetic limbs
  • Dental procedures
  • Health insurance deductibles and co-pays
  • Funeral costs
  • Extended nursing services or hospitalization

Who Is Covered by Auto Insurance Medical Payments?

MedPay applies to the driver and passengers in a car during an accident. It also protects you as a pedestrian.

It can help pay for medical treatment if:

  • You’re injured as a passenger in another person’s car
  • You or one of your family members injures your passengers in a car accident
  • You’re hit by a car while walking across the street

What Is Not Covered by MedPay?

While medpay can help cover a wide range of medical expenses, there are some things it does not pay for. These include:

  • Pain and suffering
  • Lost wages
  • Property damage
  • Any costs not related to the accident or injury
  • Medical expenses for other drivers in an accident you caused

If you have been injured in an accident, it is essential to seek medical attention as soon as possible. Once a doctor has seen you, you can contact a car accident attorney who can help you file a claim with your insurance company. While Medpay won’t cover everything, it will give you one less thing to worry about during this difficult time.

How Much Does MedPay Cover?

The amount of coverage you have depends on the policy you purchase. You can typically buy coverage in increments of $1000, $2000, or $5000.

Do I Need MedPay If I Have Health Insurance?

Because MedPay only protects you if you’re injured in a car accident, it is still important to have health insurance. Your health insurance policy will cover you for any accidents or injuries that are not related to a car accident.

MedPay is just one type of coverage you can purchase as part of your auto insurance policy. It is important to understand what types of coverage are available and how they work to make the best decision for your needs. If you have any questions about MedPay or other types of coverage, a car accident attorney can help.

How Do I File a MedPay Claim in South Carolina?

Filing a MedPay claim is similar to filing a claim with your health insurance company. You will need to provide your insurance company with documentation of your medical expenses. This can include bills, receipts, and doctor’s notes. Once your claim is approved, your insurance company will reimburse you for the covered expenses.

What Happens If I Use Up All My MedPay Benefits?

Once you have used up your MedPay benefits, you will need to seek reimbursement from either your health insurance company or the at-fault driver’s insurance company. If you have been seriously injured, you may want to consult with an attorney before pursuing any further action.

How Can an Attorney Help Me With My MedPay Claim?

If you have been injured in a car accident, you may be entitled to compensation from the at-fault driver’s insurance company. However, insurance companies are often reluctant to pay out on claims. An experienced car accident attorney can help you file your MedPay claim by helping you gather documents and evidence, negotiating with insurance companies, and representing you in court if necessary.

Are Personal Injury Protection and Medical Payments Coverage The Same?

No. Personal injury protection (PIP) is required in some states, but it is not the same as MedPay. PIP covers a broader range of expenses, including lost wages and property damage. However, it typically has a much lower limit than Medpay.

MedPay is auto insurance coverage that can help pay for medical expenses if you’re injured in a car accident. Understanding how MedPay works and what it covers is important to make the best decision for your needs. If you have any questions about MedPay or other types of coverage, a car accident attorney can help.

Contact the South Carolina Car Accident Lawyers at The Law Offices of Jason E. Taylor Today

No one wants to think about being involved in a car accident. However, it is important to be prepared in case it does happen. Understanding how MedPay works can help you get the coverage you need if you’re ever injured in an accident. If you have any questions about MedPay or other types of coverage, a car accident attorney at The Law Offices of Jason E. Taylor can help.

Our attorneys can also help if you have been injured in a car accident and the at-fault driver does not have insurance. In this case, you may be able to seek compensation through your uninsured motorist coverage. We can help you file a claim and get the compensation you deserve. We will review your case for free and fight to get you the compensation you deserve. Contact us today to schedule a 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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