Unfortunately, Medical Payments coverage is often overlooked when purchasing car insurance. You may have seen these coverage options when getting insurance quotes but had no idea what the coverage was and if it was worth the extra money. In this blog, we discuss what exactly medical payments coverage is. And to be clear, we strongly recommend that everyone purchase it with their auto insurance.
What Is Medical Payments Coverage?
Medical payments coverage, also known as MedPay, is optional car insurance coverage you can add to your auto policy. It pays for medical expenses for injuries you, your passengers, or your family members sustain in a car accident, regardless of who’s at fault.
Coverage and Limits
MedPay coverage typically provides between $1,000 to $25,000 (this may vary) in benefits for each person injured in an accident. The coverage limits you choose determine how much the insurer will pay out per person. Higher limits mean more coverage but it also will mean higher premiums. That said, the premiums for MedPay coverage is relatively low.
What’s Covered
MedPay coverage pays for necessary medical expenses like:
- Ambulance fees and emergency room visits
- Doctor visits and surgical expenses
- Hospital stays
- Physical therapy and rehabilitation
- Prescription drugs
The key is that the expenses must be incurred within a certain time period after the accident, usually 1-2 years. MedPay can help pay costs not covered by your health insurance and ensure you get the care you need right away without worrying about high out-of-pocket costs.
Why You Need It
While MedPay is optional, there are a few reasons why you should consider adding it to your policy:
- It provides coverage no matter who’s at fault for an accident. Your medical bills will be paid even if the other driver is uninsured or underinsured.
- There are no deductibles or co-pays, so you get coverage from the first dollar of expenses.
- Claims are usually paid quickly without a lengthy investigation.
- Premiums are typically very affordable, often only increasing your policy premium by a very small amount.
For most drivers in Georgia, MedPay coverage is an inexpensive way to gain valuable peace of mind and financial protection in the event of an auto accident. If you’re shopping for car insurance, it’s worth discussing with your agent.
How Medical Payments Coverage Works in Georgia
Medical payments coverage in Georgia is meant to help pay for medical expenses after an accident, regardless of fault. It covers you, your family members and passengers in your vehicle.
The coverage pays a fixed amount, usually between $1,000 to $10,000, for medical bills and funeral costs. The payments are made directly to the doctors, hospitals and other medical providers. You don’t have to pay any deductibles or copays.
What’s Covered
It covers expenses like emergency room visits, X-rays, stitches, physical therapy and rehabilitation. It can even help pay for long-term care and lost wages. The coverage applies whether you’re in a vehicle accident, suffer injuries as a pedestrian or have an accident on someone else’s property.
Limits and Exclusions
The coverage typically only applies to medical bills that are related to your car wreck. It won’t cover injuries from pre-existing medical conditions or self-inflicted harm. It also won’t pay for non-essential care like cosmetic surgery.
While medical payments coverage in Georgia has its limits, it can provide fast financial relief when accidents happen. For a small premium, it gives you peace of mind that essential medical bills will be paid, letting you focus on recovery. For the minimal cost, medical payments coverage is worth considering for any auto insurance policy in Georgia.
What Medical Payments Covers in Georgia
Medical payments coverage in Georgia helps pay for medical expenses incurred from injuries caused by accidents. It covers medical bills for you and your passengers.
Say you’re in a car accident and you and your passengers need to get checked out at the emergency room. Your medical payments coverage can help pay for things like:
- Doctor and hospital visits
- X-rays, MRIs, and other scans
- Physical therapy
- Ambulance fees
Medical payments coverage is no-fault, meaning it pays out regardless of who caused the accident.
Conclusion
In short, MedPay coverage will provide a quick source of monetary help for medical bills incurred because of an automobile wreck, regardless of who is at fault. And because the premiums are often relatively low, we strongly recommend that all of our clients obtain MedPay coverage for the added peace of mind.