How Chiropractic Care Is Paid After a North Carolina Accident
Worry about the bill keeps people from getting care they need after a crash. In most cases that worry is misplaced. Here is how payment actually works in North Carolina.
Medical Payments coverage
If you carry Medical Payments coverage, often called MedPay, on your own auto policy, it pays your accident-related medical bills regardless of who caused the crash. Limits commonly run from one thousand to ten thousand dollars. For most patients this covers care with nothing out of pocket. Check your declarations page or ask your agent for your limit.
The at-fault driver's liability coverage
The other driver's liability coverage pays for your injuries when they are at fault, but it pays at settlement, not as you go. This is why MedPay matters. It covers your treatment now, while the larger claim works through to its conclusion.
North Carolina does not use PIP
Some states use personal injury protection. North Carolina does not. Care here runs through MedPay or the at-fault driver's coverage, which is a different process worth understanding before you start.
Liens and the 50 percent cap
When bills go unpaid during a claim, a provider places a lien against your eventual settlement. North Carolina caps certain provider liens at half of the recovery after attorney's fees. Tracking who billed you, who paid, and the balance keeps these from surprising you at the end.
Contributory negligence
North Carolina is one of a few states where being even partly at fault is enough to bar you from recovering from the other driver. Thorough documentation and legal representation are what protect you, which is another reason to keep your records clean from day one.
How our billing works
We document every visit, bill MedPay where it applies, and coordinate with your attorney when you have one. The goal is care that moves your recovery forward without a bill hanging over it.
What to Do After a Car Accident in North Carolina
Your First Visit After a Car Accident
How Soon to See a Chiropractor After a Car Accident
Working With Your Attorney and Insurer After a Crash
All auto accident injury care in Mooresville
Free resource: the Accident Injury Recovery and Claim Workbook
Keep your injuries, treatment, bills, and claim organized from the first day. Print it or fill it in on your device.
Get the free workbookHurt in a crash near Mooresville? Get examined early. We document everything for your recovery and your claim.
Schedule an appointmentor call 704-663-2010Common questions
Will I have to pay out of pocket for accident care?
Usually not, when your policy carries MedPay. It pays accident-related care regardless of fault, up to your limit, which for most patients covers the treatment.
What is MedPay and how do I find my limit?
Medical Payments coverage on your auto policy pays accident medical bills regardless of who was at fault. Your limit is on your declarations page, or your agent will tell you.
What is a medical lien?
It is a claim a provider places against your settlement for unpaid bills. North Carolina caps certain provider liens at half the recovery after attorney's fees. Tracking your bills keeps it clear.
This page is general information, not legal or medical advice. For your specific situation, consult a licensed North Carolina attorney and a qualified healthcare provider.
