Understanding Medical Payments Coverage in Auto Insurance

Medical Payments Coverage, often termed "MedPay," is an integral auto insurance feature that facilitates immediate financial relief for accident-related medical expenses for the driver and passengers in Matthews, NC. MedPay aids in overcoming potential financial distress without waiting for fault determination or sorting out other insurance complications.

What Does Medical Payments Coverage Include?

Medical payment coverage generally handles a variety of accident-related medical expenditures. This may encompass ambulance services, hospital visits, surgeries, X-rays, doctor appointments, referrals, and even rehabilitation services. It also tends to cover necessary dental treatments arising from an accident. Occasionally, it may extend to funeral costs in the unfortunate event of an accident leading to a fatality.

One primary advantage of MedPay is that it goes with the policy holder, meaning it can cover medical costs whether you’re the driver, a passenger in another car, or even when you’re struck by a car while walking.

How Does Medical Payment Coverage Work?

MedPay operates on a no-fault basis, implying it attends to your medical costs irrespective of who’s liable for the accident. Contrary to liability insurance which pays only for other parties’ injuries when you’re at fault, MedPay focuses on the policy holder and their passengers. It acts as supplemental protection, covering expenses that may surpass what your health insurance covers or managing deductibles and co-pays. Medical Payments Coverage provides immediate financial assistance, ensuring peace of mind.

Understanding Insurance with Jim Boyce Insurance

Jim Boyce Insurance offers comprehensive information related to insurance needs. Catering to areas in and around Matthews, NC. For more information, don’t hesitate to get in touch with us today.

Auto insurance add-ons can include perks like key replacement, roadside assistance, and gap insurance, which can save you money and time. However, some optional coverages are well worth the money, while others may not be. Our agents at Jim Boyce Insurance serve residents of Matthews, NC, and the surrounding area with customized auto insurance plans.

Roadside Assistance

Roadside assistance can save the day if you need expedient help while driving and get stuck on the road with a flat tire, dead battery, or lost your keys. Our insurance can help cover a portion or all of the cost of related expenses.

Windshield Repairs

This coverage pays to repair or replace a windshield damaged by a covered peril, like animals, hail, or vandalism. This option may be included in the primary policy if you opt for comprehensive coverage.

New Vehicle Replacement

Once you drive it off the lot, most cars depreciate in value. If you have a newer modeled vehicle, having replacement insurance in place is a wise move. Our insurers can have you back on the road fast with this optional coverage.

Rental Car Reimbursement

When your auto needs repair, and you need to rent a car after a covered accident, your add-on policy can help cover part or all of the cost of a rental car. It can also cover alternative transportation arrangements like public buses, trains, or ride-shares.

Gap Insurance Coverage

If you have received a loan on your auto and it is totaled, gap insurance can cover any remaining payments you owe the lender. With depreciation values in mind, this is a coverage that any car owner can appreciate.

Want More From Your Auto Insurance?

Contact our professional insurance agent in Matthews, NC, at Jim Boyce Insurance for advice about what auto add-ons might be right for you. Contact us online or by phone today.

Auto insurance includes a category of policy types, including bodily injury, collision, comprehensive, roadside assistance, and property damage. You choose which types you want on your auto policy beyond the North Carolina state minimum coverage.

Jim Boyce Insurance serving Matthews, NC, offers comprehensive and complete auto insurance coverage. You can obtain a custom policy from us that includes precisely the coverage you want. Your options include:

• Bodily injury: This type of policy covers your liability for injuries you cause as a result of an auto accident. The state requires it, but you can increase your amount of coverage. If an individual dies due to an accident you caused, this policy pays their family a death benefit.
• Collision: A collision policy protect your vehicle by providing coverage for any type of collision that damages it. This means an accident you cause or a hit and run, etc. If you hit a mailbox or a fence, it covers the damage to your car. If a deer runs in front of your vehicle, this policy covers the damage.
• Comprehensive: Comprehensive covers acts of nature, like hail damage, and acts of humans, such as vandalism, rioting, and theft.
• Property Damage: This type of insurance covers property damage to other individuals’ vehicles or to structures. If you drive your vehicle into someone’s fence, the property damage policy covers their repairs.
• Roadside Assistance: A roadside assistance policy serves you with help wherever you experience auto trouble. If you run out of gas, roadside assistance brings you fuel. If your tire goes flat, roadside assistance shows up and changes the flat tire.

Contact Jim Boyce Insurance

Contact Jim Boyce Insurance, serving Matthews, NC, today to create your custom auto policy. Let us help you insure your vehicle.

After your vehicle has been damaged by hail, you want to know how to fix the damage as quickly as possible. You may wonder if your insurance coverage will be any help. Each auto insurance policy is different, which means you need to read the details of your plan carefully.

Jim Boyce Insurance, which serves Matthews, NC, understands that you have a lot of questions about your vehicle’s damage. Here’s what you need to know.

Standard Plans Do Not Cover Hail

Typically, auto liability coverage is not enough to cover damage to your vehicle caused by the weather. Auto liability insurance is the standard requirement in most states, but it generally covers the costs of damage or injury to another party if you are responsible for causing an accident. Liability coverage does not cover damage to your own vehicle.

Comprehensive Coverage Is the Key

When you are trying to deal with the aftermath of a hail storm, it is comprehensive coverage that will provide help. If you have a comprehensive coverage policy, your damage may be taken care of. Your policy may allow you to ensure your vehicle looks as good as new.

Comprehensive plans cover a variety of weather damage in addition to the damage to your vehicle caused by animals and falling rocks. Even when your vehicle is not in motion, comprehensive insurance coverage can be beneficial.

Talk to an Auto Insurance Professional

If you are ready to get comprehensive coverage to cover damage to your vehicle even when you are not driving it, reach out to Jim Boyce Insurance today. Your Matthews, NC vehicle can get the coverage it needs for the most protection possible.

Choosing the right auto insurance policy is not the easiest task, especially if it is your first car and you have never done it before. Therefore, you need a knowledgable and qualified insurance agent you can rely on to help you determine what kind of coverage you need. Jim Boyce Insurance serving Matthews, NC has prepared the list of questions you should ask an insurance agent when choosing auto insurance: 

Do I have enough liability coverage?

Liability coverage is the minimum required by the state. The best way to figure out whether it is enough for you or not is to ask your insurance agent. In some cases, the minimum coverage is more than enough, while in others additional coverage is needed. 

What happens if I am involved in a car accident?

Many policyholders mistakenly believe that their vehicles will be completely repaired or replaced after a collision. However, your policy may not include collision coverage. That is why it is important to ask this question. 

If my car is totaled, how much will my insurance pay me? 

Make sure to discuss the following: will you receive agreed upon value or actual cash value? Agreed upon value is the full insured amount agreed upon without depreciation. The actual cash value is the amount that is equal to the replacement cost minus depreciation. It is important to know this difference and talk about it with your insurance agent. 

If you are a car owner living in Matthews, NC or any other surrounding town and you are looking for a trustworthy insurance company to buy auto insurance, here is a great option for you. Jim Boyce Insurance is a reliable company that offers personalized and comprehensive service and has been serving clients since 1973. Our experienced insurance agents are ready to answer the above-mentioned questions and help you find a perfect policy. Therefore, do not hesitate to give us a call. 

In North Carolina, basic auto liability coverage is mandatory. Drivers are required to carry a minimum of $30,000 in bodily injury insurance per person with a total of $60,000 for everyone involved in an accident and an additional $25,000 for damage to property. While this coverage is adequate if you don’t have a lot of assets, it may be woefully inadequate if you are involved in a major collision. In Matthews, NC the knowledgeable staff at Jim Boyce Insurance can answer any questions that you may have about what coverage is best for you.

Additional liability

If you own a home or have assets, you may want to have a higher level of liability insurance to protect your current and future assets. 

Collision

If you have an auto loan or lease, collision insurance may be required by the lender or lessor. If you would have trouble repairing or replacing your auto on your own, collision coverage is something that you should consider. It will pay for repairs or replacement if your vehicle is damaged in an accident where you are at fault. 

Comprehensive

Comprehensive insurance is often referred to as non-collision coverage. Lots of things that can damage or totally destroy your car can happen without another vehicle being involved. Deer have a nasty habit of jumping into the road in front of cars. This can result in catastrophic damage. Glass coverage is one of the most used parts of comprehensive insurance, a wayward stone can cause a chip or a crack that can impair your ability to drive. These may not sound that terrifying but if you have to pay for the repair out of pocket because you don’t have insurance coverage, it can result in a financial crisis.

If you live in the Matthews, NC area why not stop by Jim Boyce Insurance for a no-obligation quote or to discuss the coverage options that might be right for you.