Editor’s Note: This blog was previously published on July 2021 and has been updated for accuracy – September 2025.
This is the fourth post in our series on Georgia automobile insurance. If you missed the earlier blogs, you can catch up here:
What Every Georgia Driver Should Know About Car Insurance
The Importance of Bodily Injury UM/UIM in Georgia
Why Property Damage Coverage Matters After a Car Accident in Georgia
If you’ve been involved in a car accident in Roswell, Alpharetta, or anywhere in North Fulton or metro Atlanta, understanding your insurance coverage is key to protecting your health and finances. One often-overlooked but incredibly helpful option is MedPay, or medical payments coverage.
What Is MedPay?
MedPay is optional coverage you can add to your auto insurance policy. It helps pay for medical bills if you or your passengers are injured in a car accident—regardless of who was at fault. In Georgia, MedPay can also cover funeral expenses in the event of a fatal crash and applies to anyone lawfully in your vehicle at the time of the accident.
Coverage limits vary depending on your policy, but Georgia drivers can typically choose anywhere from $1,000 to $50,000 in MedPay coverage. Unfortunately, many drivers opt out or select low limits to reduce their premiums—a decision that can lead to unexpected financial strain after a crash.
How MedPay Works Differently from Other Auto Insurance
Unlike liability coverage, which requires you to prove the other driver was at fault, MedPay benefits are available without needing to establish negligence. That means you can file a MedPay claim through your own insurance and receive compensation for medical expenses more quickly—an especially helpful advantage if you’re waiting for a liability claim to resolve.
MedPay generally covers expenses related to injuries sustained in the accident, such as:
- Emergency room visits
- Hospital stays
- Diagnostic tests
- Follow-up care and physical therapy
One limitation to keep in mind: MedPay usually only covers medical expenses incurred within three years of the accident.
When Is MedPay Especially Helpful?
MedPay coverage can be a financial lifeline in several common situations:
- You were at fault for the crash and can’t pursue damages from another driver
- The at-fault driver is uninsured
- You’re the victim of a hit-and-run, and the other driver is unknown
- The other driver’s insurance is delaying or denying payment
- You have minimal damages and no need for a larger personal injury claim
Even if you do pursue a personal injury claim, claiming MedPay benefits won’t interfere with your right to compensation. However, your insurer may seek reimbursement if you receive a settlement or court award. That’s where working with a knowledgeable car accident attorney in Atlanta or North Fulton becomes critical. Your attorney can review any reimbursement requests and protect your interests.
Get Help from an Atlanta Personal Injury Attorney
Navigating auto insurance, MedPay claims, and personal injury lawsuits can feel overwhelming—especially when you’re recovering from an accident. Whether you’re in Roswell, Alpharetta, or elsewhere in North Fulton or metro Atlanta, The Balams Firm can help you understand your coverage, evaluate your options, and pursue the compensation you deserve.
Several factors may affect the outcome of your case, including:
- Who was at fault
- What insurance coverage each party carries
- The nature and severity of your injuries
- Whether the responsible party has assets to satisfy a judgment
That’s why it’s so important to speak with an experienced car accident attorney serving North Fulton and metro Atlanta who knows Georgia’s laws and can advocate for your best outcome.
Have questions about MedPay or your car accident case?
Atlanta Personal Injury Attorney ReShea Balams fights for maximum compensation for victims of car accidents, slip and falls, premises liability claims, and more. As a trusted Roswell and Alpharetta car accident lawyer, she knows how to navigate complex insurance claims and pursue every dollar you deserve.
Schedule a free, no-obligation consultation today by calling (404) 445-2005 or filling out the contact form on this page.
