Car insurance is a critical component of responsible vehicle ownership. It provides financial protection in the event of an accident.
According to O.C.G.A. § 40-6-10, the state of Georgia requires a minimum of $25,000/$50,000 in both bodily Injury and Property Damage Liability. Anything above and beyond that is voluntary.
The most common additional coverage options include medical payments coverage, or MedPay.
In this article, our car accident attorney in Athens, GA explains more about MedPay and how it works.
What is MedPay?
Medical payments coverage, or MedPay, is voluntary coverage that can be added to your policy to cover medical expenses resulting from an accident. MedPay is a no-fault coverage, which means regardless of fault, it will pay your expenses, as well as those of your passengers.
In Georgia, MedPay is optional and the decision to include it depends on your personal needs and preferences. While not legally required, it can offer a safety net for unexpected expenses following a car accident.
What does MedPay cover in Georgia?
MedPay coverage extends to medical bills, hospital stays, surgeries, and other necessary medical treatments. It serves as a valuable safety net, helping you and your passengers get prompt medical attention without the worry of high out-of-pocket expenses.
Who’s covered under MedPay?
One distinctive feature of MedPay is that it follows the individual rather than the vehicle. This means that the coverage extends to the policyholder, family members, and passengers, irrespective of whose vehicle they are in at the time of the accident. This flexibility makes MedPay a valuable addition to your insurance portfolio, providing coverage even when you are a passenger in someone else’s car.
Is MedPay required in Georgia?
Unlike liability insurance, which is mandatory in most states, MedPay is optional in Georgia. While it’s not a legal requirement, considering the potential benefits it offers, obtaining MedPay coverage is a prudent decision for anyone seeking comprehensive protection in the event of an accident.
Should you get MedPay coverage?
The decision to get MedPay coverage depends on your individual circumstances and preferences. While it’s not mandatory, the benefits it provides can be invaluable.
Medical expenses resulting from a car accident can quickly accumulate, and MedPay ensures that you and your passengers receive prompt medical attention without the burden of hefty bills.
How much MedPay coverage do I need?
When determining the amount of MedPay coverage for your policy depends on several factors including:
Health insurance deductible
One of the most common approaches to selecting MedPay coverage limits is your health insurance deductible. This ensures that MedPay will cover your out-of-pocket expenses for medical care following an accident.
Health insurance coverage
Consider the extent of your health insurance coverage. If you have a high-deductible plan or your health insurance coverage is limited, you may want a higher MedPay limit to provide additional financial protection.
Budget and affordability
Consider your budget and how much you can afford. While a higher MedPay limit will offer more coverage, it may also come with a higher premium. Do your research and find balance between adequate protection without straining your budget.
Number of vehicles and drivers
If you have multiple vehicles and drivers on your policy, you may need higher MedPay limits to account for the potential increased risk of accidents.
Assess your risk tolerance. If you want additional peace of mind and are willing to pay a slightly higher premium, opting for a higher MedPay limit may be a prudent choice.
Frequency of Carpooling or Ride-Sharing
If you frequently carpool or use ride-sharing services, you may want to consider higher MedPay limits to cover potential injuries to passengers who may not be covered by their own insurance.
Always keep in mind that the goal of MedPay is to provide additional financial protection for medical expenses resulting from a car accident. You must find balance between managing your overall insurance costs and having sufficient coverage. Your insurance agent or broker can help you determine the appropriate coverage based on your situation.
Why Work with an Attorney to Maximize Your MedPay Claim?
Insurance claims following an accident can be challenging to navigate, especially when you have medical expenses. The best way to maximize your claim is to work with an accident attorney.
Brady M. Larrison at Larrison Law Firm Auto Accident and Personal Injury Attorneys can help ensure that you receive your full benefits. He can guide you through the process, handle negotiations with the insurance company, and advocate for your best interests.
He has more than a decade of experience as a plaintiff’s attorney and will work to recover every dollar you are owed.
FAQs About MedPay in Georgia
What’s the difference between liability coverage and MedPay coverage?
Liability coverage is designed to cover the costs associated with injuries and/or property damage caused to others when you are found to be at fault in an accident. MedPay, on the other hand, covers your medical expenses and, as well as those of your passengers, regardless of fault. While liability coverage is essential, MedPay provides additional protection for medical bills.
Will my insurance company raise my premium for using MedPay?
Under O.C.G.A. §33-9-40, insurance companies in Georgia cannot raise your premium if you are not at fault for the accident. Using MedPay to cover your medical expenses should not lead to an increase in your insurance rates, providing peace of mind when utilizing this coverage.
Can I claim the other driver’s MedPay coverage?
MedPay coverage is specific to the policyholder and their passengers. Therefore, you cannot claim the other driver’s MedPay coverage. You must rely on your own coverage to ensure prompt reimbursement of your medical bills.