Motor Vehicle Trial Lawyers Association
The National Trial Lawyers
Georgia Association of Criminal Defense Lawyers
NACDL
The National College for DUI Defense
Superior DUI Lawyers 2014
DUI Defense Lawyers Association
AVVO
National Academy of Motorcycle Injury Lawyers
NFL Alumni

MedPay and Personal Injury Protection Insurance

MedPay and Personal Injury Protection Insurance

In Georgia, you are required to have liability insurance if you are the owner of a vehicle. The minimum coverage you have to have is $25,000 for both bodily injuries to one person and property damage. Because Georgia is not a no-fault insurance state, if you are involved in an accident, the at-fault driver and their insurance company are liable for all damages.

If you are in a car accident with someone who is uninsured or both you and the other driver do not have adequate car insurance, paying out of pocket or suing the other driver might seem like the only other possibility. However, these are not your only options.

Medical Payment Coverage (MedPay) and Personal Injury Protection (PIP)

While Georgia does not require a person to have medical payment coverage or personal injury protection, both can come in handy if you are ever involved in an accident.

Medical Payment Coverage

Medical Payment Coverage or MedPay Coverage can protect you regardless of who caused the accident. MedPay can pay for medical expenses for not only you but also passengers in your car at the time of the accident.

MedPay is not a substitute for your car or health insurance but instead is added to your car or health insurance in the case that you are involved in an accident. MedPay is can vary in value depending on what you select as your limit and the insurance company you have. When you set a coverage limit, it will determine what your insurance company will be paying for each person involved in an accident or auto-related injury.

Personal Injury Protection

While similar to MedPay, Personal Injury Protection, aka PIP, will entitle you to cover more than just your medical expenses. PIP is an extension of your car insurance but allows you to recover for lost wages and transportation to medical appointments. While PIP insurance is comprehensive and customizable, it is also more expensive than MedPay.

Instances Where You Might Need MedPay or PIP

Reading this, you might believe there will never be an instance in which you might need MedPay or PIP coverage. However, here are some instances in which you might need extra coverage:

  • You are working under the hood of your car and the hood slams down on your hand.
  • A small child has slammed the car door on their fingers, causing two of their fingers to break.
  • You lose control of your car and you run off the road.
  • Your car is fine, but you’ve hit your head on the steering wheel and your passenger has a broken nose
  • If your insurance doesn’t cover the full cost of your medical bills and repairs.
  • If the other driver does not have auto insurance or is underinsured.

These are only some possibilities that may arise and that MedPay and PIP can help cover the cost of. If you are interested in learning more about MedPay or PIP, call your insurance provider today and learn how you can better cover yourself and your passengers if you are ever in an accident.

In addition, some personal injury claims can take a long time before they are settled. MedPay and PIP are usually available to be claimed soon after the accident, allowing you to pay some of your medical bills sooner.

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