If you have ever been a victim of an accident, you know how frustrating it can be. It can also be financially frustrating. And every penny counts. That’s why it is important to have MedPay coverage on your insurance policy.
MedPay is the shortened version for the term “Medical Payments Coverage.” It works similar to your health insurance, but goes immediately into effect following a car accident.
While Georgia does not require each driver to have MedPay, it doesn’t hurt to have it and, may be extremely valuable in the long run.
When can MedPay be useful?
- If the at-fault driver did not have adequate or outdated insurance coverage or if the at-fault driver’s insurance coverage is disputing the driver’s liability. MedPay can help compensate for some of the damages.
- If your health insurance provider has paid for some of the medical bills, but you still have outstanding balances remaining. In that situation, MedPay could step in and alleviate some of those medical balances, co-pays, or other deductibles.
Note: Under Georgia law, insurance companies must reimburse you for reasonable and necessary medical and funeral expenses. However, they can deny MedPay coverage if certain medical treatments are deemed unnecessary or unreasonable.
Who might benefit from MedPay in a crash?
- The insurance policy holder of that particular vehicle that has MedPay coverage.
- The passengers in the particular vehicle that has MedPay coverage.
- Someone who drives the vehicle that has MedPay coverage, with the permission of the vehicle owner.
It is important to note that MedPay benefits and coverage can vary based on various insurance companies and policy holders.
If you or someone you know has been in an accident, give us a call at 706-738-7111 and experience the Durham Bray Way.