Medical Payments Coverage: What it is and Why Every Georgia Motorist Should Have it

You were involved in an automobile accident in Georgia and you are severely injured. Perhaps you were not at fault for the accident, or there is a question regarding who is at fault. Maybe you simply ran off the road and struck a tree in the rain, and no one is really at fault. Assuming you do not have health insurance coverage, how will your medical bills be paid?

Introducing medical payments coverage. Commonly referred to as “med pay” in the automobile insurance industry, this coverage provides for payment of medical expenses from arising from an automobile accident, regardless of who was at-fault. The amount of coverage depends on what you purchase through policy premiums but common coverage amounts of $1,000, $2000, $5,000 ad $10,000, however, our experienced Georgia auto injury attorneys have seen amounts north of $50,000 in medical payments coverage.

When Does Medical Payments Coverage Usually Provide Benefits?


  • When you are injured by a negligent driver.
  • When you are injured due to your own negligence.
  • When you are injured while riding as a passenger due to the carelessness of the driver.
  • When you are injured due to no fault of anyone.


What Are Some Common Scenarios Where Medical Payments Coverage May be Utilized?


  • You are rearended by an at-fault driver and require medical care.
  • You accidentally strike someone else’s vehicle because of your own carelessness.
  • You are a passenger in a vehicle and the driver mistakenly runs off the road and injures you.
  • You lose control of your vehicle on ice or attempt to avoid a deer and are injured.


Who is Covered for Injuries by Medical Payments Coverage?


  • Medical payments coverage routinely covers:
  • You as the named insured;
  • Any resident relatives of your household;
  • Passengers in your vehicle at the time of the accident.


If I Recover Money from Someone Who Negligently Injures Me and Medical Payments Coverage Provides Benefits, Will I Have to Pay My Medical Payments Coverage Insurance Carrier Back?


You are ordinarily not required to pay back your medical payments insurance carrier if you obtain a recovery of money from a negligent at-fault party. In contrast, subrogation clauses in health insurance policies, for example, require that you pay back the health insurance company if benefits are paid by the health insurance carrier and you are obtain a recovery against a negligent third party. Medical payments coverage, however, is usually different. In most instances you are not required to pay this money back.

The only way that you can know for certain if you would be required to pay this money back, however, is to speak with a skilled Georgia medical payments coverage immediately. Our attorneys are standing by 24/7 to provide you with guidance on your medical payments insurance claim or feel free to fill out the intake form on this website and we will contact you immediately.


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