Your Med-Pay coverage can help pay for the medical expenses of a qualified family member in your household, even if you are not involved in an accident with them. What about the negligent driver? Are they able to seek coverage from your Med-Pay insurance? Brent Adams, a car accident lawyer in Raleigh, explains in the video above that if you are involved in a motor vehicle collision caused by the negligence of another driver, they do not receive any benefits from your insurance. You paid the premiums for your insurance, so only you are entitled to recover for your injuries, not the other driver. You can collect from your Med-Pay insurance to cover your medical bills, and from the negligent driver’s insurance to compensate you for your damages.