How does medical payments coverage affect the recovery that you will obtain after a car accident?

By SHabib on May 27th, 2023 in

Similar to uninsured motorist coverage, medical payments coverage is an absolutely essential part of making sure that you receive the medical treatment that you need after a car accident. Like uninsured motorist coverage, medical payments coverage is an optional insurance policy. You are not required to purchase it, but there is not any reason why you would not purchase medical payments (or “med pay”) coverage in connection with your auto insurance policy.

In Georgia car accident cases, we do not typically a setoff for medical payments coverage. A setoff for medical payments coverage would mean that a verdict obtained in the trial of an injury case would be reduced by the amount of medical payments coverage paid out to you.

Likewise, in Georgia, we do not typically see subrogation efforts by insurers that pay out medical payments benefits under automobile insurance policies.