Search Site
Menu
FREE Case Evaluation 877-884-8579
Plain Talk Series: A Basic Explanation of Your Auto Insurance Policy-Medical

Medical Payments Insurance Coverage

The “declaration page” of your insurance policy lists the different types of insurance coverages available under your particular insurance policy. In other words, the declaration page is a basic summary of the insurance coverages that you pay for as part of your insurance premium. An explanation (in plain English) of medical payments insurance coverage is below:

Medical Payments Insurance Coverage (or “Med Pay”): This coverage is optional in Georgia. In the event of an auto accident or auto related injury, med pay covers the costs of medical, dental and funeral expenses for you and your passengers. Med pay is different from health insurance in that there are no copays or deductibles. Instead, med pay is a dollar-for-dollar benefit up to the insurance policy limits. Frankly, whether you have health insurance or not, med pay protects you.

Med pay covers you and your passengers for their auto related injuries whether the accident is your fault, someone else’s fault or nobody’s fault. Only your vehicle’s occupants are entitled to your med pay benefits so it only matters if your vehicle has med pay coverage. Med pay can even protect you if you are a pedestrian, cyclist or a passenger in somebody else’s vehicle.

Many people take the position that “I have health insurance, so I don’t need med pay.” This might be okay but it depends on the specifics of your health insurance plan language. Many health insurance plans try to deny claims because the injuries relate to an auto accident. Other plans have very high deductibles or expensive co-pays. Almost every health insurance plan wants to be reimbursed for the payments that they made for the auto accident related injuries.

While auto insurance companies do try to be reimbursed for the payments that they make under the med pay claims, these attempts are mostly unsuccessful.

Other people often ask “Why should my auto insurance company pay for my medical expenses when it’s the other driver’s fault?” The answer is simple, if you pay for med pay insurance coverage, you should use it (or stop paying for it). The bottom line is that med pay will help you get and pay for medical treatment for auto accident injuries at less expense to you. Not using your med pay insurance is similar to not cashing in a life insurance policy after someone passes. If you are not going to use the insurance benefits, stop paying for them.

The biggest question injured people ask is, “Will using my med pay increase my insurance premium?” Georgia law says no. Specifically, an insurance company cannot increase an auto insurance premium or even cancel the insurance policy as a result of the insured being involved in a multi-vehicle auto accident so long as the insured was not at fault for the accident.

Additional information is available through the Georgia Office of Insurance and Safety Fire Commissioner (http://www.oci.ga.gov/ConsumerService/AutoInsurance.aspx).

You have rights. Know them and protect them.

For more information about this article, contact Kaine Law.

Our Attorneys
Testimonial
  • "I was involved in an auto-accident with a drunk driver and after several weeks of frustrating interactions with their insurance company, I decided to contact Evan Kaine. He was upfront and honest about how the process works and never made any promises or raised my expectations. Evan understood that my first priority was to take care of the medical expenses that I incurred and he completely delivered. Communication is essential and I spoke directly with him and was never pawned off to another person. Bottom line - Evan Kaine gives lawyers a good name." - M.T. Atlanta, GA

  • "Evan Kaine is a great attorney who kept me informed on all activity regarding my case. Always willing to go the extra mile to put me at ease. Very knowledgeable and thorough, always examining my case from every angle. I have recommended him to several friends and will continue to do so. Overall great legal service." - B.S. Roswell, GA

  • "My boyfriend Michael was hit by a drunk driver while he was driving my car. Even though I wasn't involved in the accident, Evan made every effort to make the process of getting my new car painless for me. He worked with my insurance company, kept in touch with me personally, and made me aware that he was working on my case around the clock. He also helped Michael get his medical bills paid ASAP. I would highly recommend Evan Kaine! " - B.D. Atlanta, GA

  • "I was in a minor car accident and wasn’t sure that I even had a case. I met with Evan and he explained the law in terms I could understand. I immediately hired him and Evan turned my questionable case into more than $50,000.00! Evan is upfront, honest and expects the same from his clients – and he doesn’t take half of your money! I highly recommend Attorney Evan Kaine." - G.S., Smyrna, Georgia

  • "To everyone LIKE ME who has had to deal with attorneys AND has that bad taste in their mouth because they have been taken advantage of because their lawyers are more interested in making money and not caring about YOU, well please allow me to introduce you to Evan Kaine. I was in a very tight position and Evan could not have been more professional, courteous or kind and, again, HONEST! Once more, as a person who has been through the trials and tribulations with lawyers, good, bad or indifferent, if you have an issue, PLEASE contact Evan and I mean this from the heart! " - R.K., Suwanee, Georgia and Palm Beach, Florida

Videos & Media

  • Meet Kaine Law

    Experienced Atlanta auto accident lawyer Evan Kaine understands the physical, financial and emotional impact an injury can have on you and the people you love. That is why at Kaine Law, LLC, we have dedicated our legal practice to assisting victims of injuries caused by the negligence of others



  • Top 5 Reasons Why
    Kaine Law is Right for You



  • Atlanta Car Accident Lawyer - Kaine Law, LLC



  • June is National Safety Month

    Personal Injury Attorney Talks Staying Safe



  • Georgia Motorcycle Laws

    New Rider's Guide

Awards & Affiliations
Google Reviews

Contact us

Please fill out the form below and one of our attorneys will contact you.

Quick Contact Form