Cheap Car Insurance Medical Payments (MedPay) Coverage in Georgia

Short for medical payments coverage, MedPay is an auto insurance add-on in Georgia that covers the cost of medical bills for first parties and their passengers, including family members. MedPay included in auto insurance pays for injury-related expenses from a covered accident, regardless of fault. This coverage benefits you and your passengers, unlike liability insurance, which only covers others in accidents you cause.

Your friendly and knowledgeable Velox agent can help you decide if MedPay is a good option for you.

Medical Payments coverage in Georgia isn’t a must-have by law, but it can be a lifesaver. It’s like having a little extra cushion in case you or your passengers get hurt in an accident. This coverage helps foot the bill for doctor visits, hospital stays, and other medical costs, no matter who caused the mess. If you’ve got a high deductible or your health insurance, it’s like a safety net to keep you from getting stuck with massive medical bills. So while you don’t have to have this coverage, it can gives you a peace of mind and keep those unexpected expenses from hitting you too hard.

The average cost of this supplemental coverage can vary depending on many things like where you live, how long you’ve been driving, your age, what kind of vehicle you have, and the coverage you choose. Down here in Georgia, you can add MedPay to your regular car insurance if you want. Most people are only shelling out $5 to $10 a month for this extra coverage, which is a pretty small price to pay for having a peace of mind with those hefty medical bills if you’re in a bad accident.

MedPay gives you that extra layer of protection above liability insurance for injuries or death, and it’s got your back even if you’re not behind the wheel—like if you get hit while walking or biking. It’s a real lifesaver for covering medical bills, and funerals, and even helps with those health insurance deductibles and co-pays. Think of it as a handy sidekick to your health coverage—just check with your provider to see which one takes the lead in case of a wreck. MedPay covers:

• Medical Expenses: Whether it’s an ER visit, surgeries, or even rehabilitation.
• Funeral Expenses: If someone is killed in the accident.
• Deductibles/Co-pays: If your health insurance has a deductible or out-of-reach co-pays, MedPay can be used for these.

It also covers passengers and family members in your ride during the accident. Since liability coverage can take its sweet time to pay out, MedPay jumps in right away to help with those bills. And if you end up causing an accident while driving under the influence, MedPay might just help where your standard car policies may not.

Although PIP and MedPay share a lot of common ground, figuring out the ins and outs of auto insurance can be a bit of a head-scratcher, especially when you’re trying to understand the differences between PIP and MedPay coverage. Down here in Georgia, neither of them are a must-have by law, but it’s mighty important to know what each one brings to the table. MedPay helps cover medical bills for you and your passengers if you’re in an accident, focusing just on those expenses. Knowing these differences can help you choose the coverage that best suits your needs and keeps you from getting caught off guard.

If you’ve got this type of coverage, you’ll want to check in with your insurance company to figure out how to file a claim, because it can vary from one insurer to another. Sometimes, you’ll get a check right after you turn in a bill. At other times, this coverage gets tacked onto your regular health coverage, and they’ll take care of the payments. Different carriers might have their own way of doing things—some might want your health insurance to cover first and then MedPay kicks in, or the other way around.

Most of the time, you’ll either pay your medical bills out of pocket and get reimbursed later or let your health insurance handle the costs. If the latter is the case, MedPay can help you cover your regular health policy deductible or copays.

In any case, if you get hurt in a wreck while running errands in Marietta square and it isn’t your fault, this coverage will lend a hand before the other driver’s liability insurance gets sorted out. You can always reach out to your friendly Velox agent for some help and guidance on what to do to file a claim.

Bodily injury liability insurance in Georgia is your safety net when you’re the one at fault in a fender-bender. It helps cover the medical bills and other costs for folks and their passengers who got caught up in the mess you caused. If someone else caused the wreck and you file a liability claim against their insurer, things can get sticky and slow, especially with the courts trying to figure out who’s to blame.

This extra coverage kicks in right away, so you don’t have to wait around. And that’s a real blessing when you are laid up in Atlanta’s Medical Center with a broken leg and an ambulance bill in the thousands.

When you’re choosing MedPay coverage, it’s kind of like picking your preferred size of biscuits—more is usually better. Check your health insurance for details on how it handles car wrecks, because the amount of MedPay you choose may be dependent on how much health insurance will cover. With medical costs soaring like a kite, having some extra coverage might be just what the doctor ordered. Plus, there are no deductibles or co-pays to fuss about with MedPay.

Georgia does not require MedPay, but it may be the right choice – especially if you do not have health insurance. Come in to your neighborhood Velox office to sort through your options with one of our knowledgeable agents.

MedPay is a smart choice to consider because it’s as affordable as a sweet tea on a hot summer day and gives you that peace of mind in case you find yourself in a car wreck. Down at Velox, we’re ready to help you find the perfect fit. We’ll compare Georgia car insurance quotes so you can choose the plan that suits both your needs and your budget.

Our agents are ready to help you protect what’s important by finding the perfect coverage at a price that won’t stretch your budget. With just a few clicks, you can snag a policy online without ever needing to speak with an agent, if that’s your preference. Our agents will do the shopping for you, so you compare rates on the spot to make sure you’re always getting the best deal. Once you’re set up, our mobile app makes it a breeze to file claims or make payments.

Velox agents are always ready to lend a hand when you need it, especially when it comes to claims. But we also respect your space, so you can handle things online if that’s more your style. We aim to make your insurance experience smooth and hassle-free, whether you’re getting a quote, filing a claim, or just giving us a ring.