Personal Injury Protection Auto Insurance in Atlanta, GA
Personal injury protection (PIP) insurance provides coverage to help pay for medical bills related to an accident. If you live in a state with no-fault accident insurance laws, you must purchase this coverage.
Call the auto insurance experts at Peach State Insurance to learn more about PIP coverage and determine whether this coverage may be appropriate for your needs. Peach State Insurance has several locations across Georgia, including our main office in Atlanta.
Is PIP Auto Insurance Coverage Required in Georgia?
PIP coverage is not required by law in Georgia, an at-fault state. The party responsible for causing an accident is liable for paying damages in an at-fault state. A similar coverage, called MedPay insurance coverage, is optional in Georgia.
All drivers living in Georgia must carry specific minimum amounts of liability insurance. Your auto liability policy helps pay damages if you cause an accident and someone else is injured, or the accident damages someone else’s property.
Your agent can help you make sure your auto insurance policy complies with Georgia state laws and help you determine which additional policies may also be beneficial.
What Is MedPay Auto Insurance?
MedPay coverage helps pay many of the same accident-related medical bills as PIP coverage, except for in-home assistance that you can no longer handle due to accident-related injuries and reimbursement for lost wages.
In Georgia, MedPay coverage is optional. If you are the insured person named on the auto policy, MedPay helps cover injuries sustained in an accident for you, your spouse, your passengers, and relatives living in your home.
MedPay coverage may be helpful even if the other driver is at-fault in an accident and their actions caused your injuries. In some cases, their insurance company may take a long time to cover your medical bills. Your MedPay policy can help cover those costs while you wait.
What Coverage Does MedPay Provide?
As the policy owner, you can choose the level of coverage you want with a MedPay auto insurance policy. Limits may range from $1,000 to $50,000. After a covered accident, MedPay may provide coverage for the following:
- Doctor’s appointments
- X-rays and surgeries
- Hospital visits
- EMT and ambulance fees
- Funeral and burial expenses
- Dental care
- Ongoing rehabilitation
- Professional nursing care and services
Get the Auto Insurance Coverage You Need for Accident-Related Medical Bills
A car accident can trigger several expensive problems, including medical bills. Talk with the agents at Peachstate Insurance
today to get an auto insurance policy to meet your needs.