Serious car accidents can happen anywhere and at any time. According to Georgia’s Governor Office of Highway Safety, 1,190 people were injured in motor vehicles accidents in Rockdale County alone in 2017.
Through a personal injury claim, injured victims can hold negligent drivers legally responsible for an accident. Of course, the personal injury claims process can sometimes be frustratingly slow. On the other hand, medical bills will start piling up almost immediately.
In Georgia, motorists have an option for immediate coverage. Through your own medical payments coverage insurance — commonly known as ‘Medpay coverage’ — your initial medical bills can be covered on a no fault basis. In this article, our Conyers, GA car accident attorneys provide an overview of the most important things that you need to know about Medpay coverage.
Your Guide to Medpay Insurance in Georgia
What is Medpay?
Medpay is a form of optional medical payment insurance coverage that you can obtain as part of your broader auto insurance policy. Medpay is no fault medical payment coverage that protects the insured party against medical costs. In other words, Medpay covers medical bills that are directly related to the accident. As it is no fault insurance, Medpay can offer immediate coverage. It should be noted that Medpay typically has relatively low limits — usually between $5,000 and $25,000.
Who Can Get Medpay?
Any motorist in Georgia can obtain Medpay coverage. In fact, under Georgia state law (OCGA 33-34-2), insurance companies must offer all motorists the option to purchase Medpay coverage. Notably, Medpay is not only for drivers. In Georgia, Medpay insurance provides protection to both the insured driver and for their passengers.
When Can I Get Medpay?
Under Georgia’s insurance regulations (OCGA 33-7-9), covers motor vehicle accidents and related events. If you were injured in a car accident or any covered event, your Medpay coverage should kick in right away. Even if another party may ultimately bear liability for your accident and your injuries, Medpay insurance still provides coverage in the period before your case has been resolved.
Can I Collect Medpay in Addition to Recovering From the Other Driver’s Liability Auto Policy?
Yes. Using Medpay coverage does not, in any manner, diminish your right to seek hold a negligent driver legally liable for your accident. If you suffered a serious injury because of the carelessness or recklessness of another driver, you still can — and should — bring a legal claim directly against their insurance policy. Remember, Medpay does not offer compensation for pain and suffering or other noneconomic losses. Instead, Medpay simply gives you access to immediate coverage for your medical bills while your claim is still working its way through the legal process.
Can I Collect Medpay in Addition to Recovering From My Own Uninsured Motorist Coverage?
If you were involved in an accident with an uninsured motorist, you may be able to recover financial compensation through both your Medpay coverage and through an uninsured motorist policy. However, this is an especially complicated issue. It must always be assessed on a case-by-case basis with careful attention to the specific language within the policy.
What are the Advantages of Recovering from Medpay?
If you or your loved one was injured in an accident in Georgia, there are a number of different advantages to recovering for your medical bill using Medpay coverage. Among other things, these benefits include:
- Recovering from Medpay is generally far faster than recovering through other insurance policies;
- With Medpay, insurance companies are less likely to challenge the reasonableness of medical bills;
- You do not have to worry about paying attorneys’ fees and other legal costs; and
- Medpay helps to ensure that patients will receive immediate medical treatment that may not otherwise have been available.
How Do I Get Medpay Coverage in Georgia?
If you are interested in obtaining Medpay coverage, you should contact your insurance agent or a representative from your insurance carrier. As was mentioned previously, the state of Georgia mandates that all motor vehicle insurance policies must give motorists the option to get Medpay coverage through their policy.
Get Help From a Georgia Car Accident Lawyers Today
At MG Law, our Georgia personal injury attorneys have extensive experience handling all types of auto accident claims. If you have questions about Medpay insurance coverage, or you are struggling to get access to compensation to pay for your medical care, please contact our law firm today for a free consultation. From our law offices in Conyers, Covington, and Atlanta, we serve injured victims in Newton County, Rockdale County, and throughout Georgia.