In the first two segments of our three part series, we discussed two main
types of coverage that protect you in an
automoble accident. The first segment focused on automobile liablity coverage and its role
in protecting you if you are at fault in causing an auto accident. The
second segment detailed uninsured motorist coverage which protects you
in the event you are not at fault, suffered personal injury, and the other
party either has no insurance or inadequate insurance to compensate you in your
personal injury claim. The last automobile insurance coverage that we will discuss is medical
expense coverage or medical payments coverage.
Medical Payments Coverage operates like health insurance if you are injured
in your car, regardless of who is at fault. The only drawback with medical
expense coverage is that it typically only provides a small amount of
coverage usually ranging from $1,000.00 to $5,000.00. Example: You are
driving on the road and take your eyes off the roadway and run into a
ditch. You are injured and incur medical bills. You are clearly at fault
for causing the wreck so how can you make sure that your medical bills
are paid? If you have medical expense coverage then you can make the claim
to have your medical bills paid by your auto insurance company even though
you may have been at fault for the accident.
Medical expense coverage also applies to anyone who may have been injured
in your car as well. Again, while it is not a perfect solution, it can
help if you have sustained an injury and the wreck was not the fault of
I often get asked by my personal injury clients if they can use Medical
Payments Coverage in addition to making a claim against the other driver
in a Georgia Automobile Accident. The answer is a resounding YES! Many
people are unaware that they can use their medical payments coverage in
addition to seeking compensation from the at fault party's insurance carrier.
Georgia law provides that your premium cannot be increased for using your
medical payments coverage when you are not at fault for the accident.
In addition, because of the "collateral source rule" you are
entitled to claim your medical bills in the claim against the at fault
liability insurance company, even though they have been paid by your medical
expense coverage. This is important to remember if you are ever involved
in a auto accident as it can mean thousands of dollars more to you in
the right situation.
A personal injury claim can be financially devastating if you do not have
proper insurance to cover you in the event of a loss. A personal injury
claim can be extremely complex. This brief guide is merely meant to help
you better understand Georgia insurance and personal injury law to start
a conversation with your licensed insurance agent about the needs of you
and your family. At Henningsen Injury Attorneys, P.C. we stand willing
and able to help you or anyone you know who may have been injured.
Whether it be due to an automobile accident, truck accident, work place
injury, slip and fall, or any other type of accident, we have the resources
to make sure that you are fully and fairly compensated for all that you
or your loved one has been through. Either through an out of court settlement,
or if the matter has to be tried before a jury, our experienced Georgia
Trial Lawyers stand willing to make sure that you get the compensation
that you deserve.