Title 33 of the Statutes and Session Law (GA 33-9-40). GA 33-9-40 Motor Vehicle Premium Surcharges Where Insured Not at Fault: No insurer shall increase the premium or rate charged on a policy of motor vehicle insurance or cancel such policy as a result of the insured person’s involvement in a multi-vehicle accident when such person was not at fault in such accident.
Rarely is the “Medical Payments coverage” or MEDPAY motor insurance clause applied. In other words, even in states where it is not required, Med-Pay is no-fault insurance. In the state of Georgia, if you have chosen to acquire this additional coverage and are involved in an automobile accident (regardless of who was at fault), your insurance carrier WILL PAY YOUR MEDICAL PROVIDERS UP TO THE SELECTED COVERAGE AMOUNT. The most common coverage amounts offered by insurance companies are $1000, $5000, $10,000, $25,000, and $50,000.
The insurance company is required by many states to include medical payment coverage in each policy. Unfortunately, Georgia does not have a requirement for this coverage. As a result, unless you specifically request it, insurance companies and agents rarely supply the coverage! With the majority of carriers, the monthly cost for $10,000 in protection is only approximately $10.
If you don’t already have this coverage, there are a few reasons why you should add it to your insurance. First, most insurance companies use a system that offers less than the whole cost of your medical bills for lesser accident claims. Why is that crucial? It would be unfair for you to be forced to pay for your medical costs out of pocket as a result of another person’s error.
Of course, your employer might provide health insurance. The majority of medical insurance policies, however, have a clause that permits your insurance company to be paid back if you obtain any settlements from third parties as a result of an accident (for example, the other driver’s insurance company pays a settlement).
The versatility of what is covered is a further justification for carrying Med-Pay. Chiropractic care is typically not covered by health insurance. Chiropractic care is more appropriate for vehicle accident victims than any other form of therapy, whether or not you believe in it. Both the structural and soft tissue aspects of the injury will be properly treated by a chiropractor who specializes in the care of vehicle accident victims.
Get the price for adding this coverage to your policy by calling your insurance agent right away. You can have the peace of mind that, should you get into an accident, your medical expenses will be paid for for just a few dollars a month!