PIP insurance, or personal injury protection insurance, offers compensation any time you suffer injuries in a car accident, regardless of who caused the accident. As an at-fault state, North Carolina does not require PIP insurance. However, drivers in North Carolina can choose to purchase MedPay, or medical payment, coverage, which will cover initial medical expenses up to the amount specified by the policy any time the driver or a covered individual suffers injuries in a car accident.
If you have MedPay coverage, you can use it first after you suffer injuries in an accident. If the cost of treatment for your injuries exceeds the protection offered by your MedPay plan, you can then file an injury claim.