What MedPay covers for pedestrians

Does MedPay cover pedestrians in Georgia? MedPay, or medical payments coverage you can add to your auto insurance policy, covers medical bills for you and your passengers after an accident. It also protects you if you sustain injuries in a pedestrian or bicycle accident.

If you were the victim of a pedestrian accident and have MedPay coverage, you should consider filing a claim with your insurance company.

What does MedPay cover?

After an accident in Georgia, MedPay will cover the cost of medical and funeral expenses, if necessary. MedPay also provides coverage if:

  • Passengers sustain injuries while riding with you
  • You sustain injuries while riding in someone else’s car
  • You sustain dental damage
  • You require long-term nursing or rehabilitation
  • You require medical assistive devices or prosthetics

Does fault matter in a MedPay claim?

MedPay covers your crash-related injuries regardless of fault. If you carry MedPay coverage and sustain injuries in a pedestrian accident, you can file a claim with your insurer right away, no matter the circumstances of the case. 

This means you will have money to cover medical bills and other treatment costs right away instead of waiting to file and settle a claim with the at-fault driver’s insurer. While you should still consider filing a pedestrian accident insurance claim with the at-fault driver, your MedPay policy can help you cover the immediate costs of an injury.

What do I need to know about using my MedPay policy?

You must use your MedPay policy before you use your health insurance policy. If you use your health insurance before using your MedPay coverage, your health insurance company may require you to use your MedPay coverage to pay any medical bills it covered.

You file a MedPay claim in the same way you file any other claim with your insurer. Most offer toll-free phone numbers to file a claim and some even allow you to file online or through smartphone apps.

Many people who suffer injuries that do not require filing an auto insurance claim hesitate to file a MedPay claim. In many cases, they believe this will cause their insurance premiums to increase. This is possible but it depends on your insurance company. Many companies only raise rates when a policyholder is at-fault for an accident.

There are also no copays or deductibles to use MedPay coverage.

Can Brauns Law help me after a pedestrian accident?

Brauns Law represents victims who sustain injuries in pedestrian accidents. If you suffered injuries due to the negligence of another party, our car accident lawyers can help you get the compensation you deserve either through your own insurance, filing a claim with the at-fault driver, or filing a personal injury lawsuit.

Contact us today at 404-418-8244 to schedule a free, no-obligation appointment.