Add Medical Payments Coverage, known as Medpay, in North Carolina to your Auto Insurance Policy. Medpay coverage is cheap, no fault coverage that can be purchased to pay for lost wages and medical expenses in North Carolina. Whether you have health insurance and need to pay for co-pays or have no health insurance medical payments coverage can be very beneficial. Medical Payment Coverage in NC Traffic collisions Some states provide no fault insurance for all automobile collisions. In North Carolina we are not a no fault state. Therefore in order to recover Medical Expenses or lost wages you must show that the other person was at fault and that you did not contribute to your own injury. Medpay coverage is the exception in North Carolina. You can purchase additional coverage from your automobile carrier called Medical Payment or Medpay that provides, regardless of fault, for reimbursement for medical payments or lost wages. Even if you are at fault, hit by a deer or hydroplane in a storm, you can use medpay to pay for medical expenses or co-pays if you have medical insurance. If you are hit by another in a traffic collision you can use medpay to pay your medical expenses, pay your lost wages and prescriptions. What to do after an injury in a car crash Medical Payment coverage is sold in North Carolina at levels from $500.00 to $100,000.00. Talk to your automobile Insurance Agent about adding Medpay coverage. Contact our office to discuss your case or discuss the use of Medpay or other automobile insurance coverage.