PIP Coverage vs MedPay Coverage in NC and SC

What is the Difference Between Personal Injury Protection Coverage and Medical Payments Coverage in North Carolina and South Carolina and Are They Required?

Personal Injury Protection (PIP) Coverage and Medical Payments (Med Pay) Coverage are both auto insurance options. Neither is mandatory in North Carolina or South Carolina. PIP and Med Pay insurance both cover costs from your accident-related injury regardless of who is at fault in the accident. The main difference is that PIP is more comprehensive and will even compensate you for lost wages. Medical payments coverage only covers medical costs and funeral expenses. Med Pay typically does not pay for your lost wages or other items covered by PIP coverage. 

If your accident is deemed to be your fault, your insurance will cover your expenses directly related to the accident up to your PIP or Medical Payments coverage limit. If you are not at fault, your PIP coverage will begin to pay immediately while you wait on the at-fault party’s insurance to pay out. Your PIP will also help cover your injured passengers.

In South Carolina, PIP coverage and MedPay are frequently interchangeable terms. PIP, or MedPay, is optional coverage for auto insurance policy holders. If you are injured in an accident, and it is not your fault, you should use your own health insurance first, and then turn to your PIP coverage if you have it. This will save on medical expenses and can help your case in the long run.

Both North Carolina and South Carolina put a duty on the insured to notify their insurance company of the accident. Any undue delay in reporting the accident could cause them to deny benefits, so it important to take care of this right away.

Note: This information is for informational purposes and does not constitute legal advice. You can only receive legal advice by meeting with an attorney.

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