What Medical Payments Coverage Does in Georgia
Medical Payments coverage — called MedPay — pays medical and funeral expenses for you and your passengers after a crash, regardless of who caused it. Georgia does not require MedPay, but carriers offer it as optional coverage on every auto policy. When you add MedPay to a multi-vehicle policy, it applies to every car on that policy at the same per-person limit you select.
MedPay is not health insurance. It covers reasonable medical expenses, ambulance fees, hospital stays, surgery, dental work from crash injuries, and funeral expenses. It does not cover lost wages, pain and suffering, or property damage.
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19%
Nearly one in five Georgia drivers carries no insurance. MedPay pays your household's injury expenses immediately after a crash, even when the at-fault driver has no coverage to claim against.
Insurance Research Council, 2023
How MedPay Coordinates with Health Insurance
MedPay typically pays as secondary coverage when you already carry health insurance. Your health plan processes the claim first under its usual terms — deductibles, copays, network rules. MedPay then covers what your health plan does not: the deductible, copays, coinsurance amounts, and out-of-network balance bills up to the MedPay limit.
This coordination matters for households insuring multiple vehicles. If every driver on your policy already has comprehensive health coverage through an employer or the marketplace, MedPay adds a layer that fills gaps rather than replacing your primary coverage. The value depends on your health plan's deductible and out-of-pocket maximum.
When a household member has no health insurance, MedPay becomes primary coverage for crash injuries. It pays covered expenses directly, up to the policy limit, without waiting for another insurer to process the claim first. For a household with uninsured or underinsured members, MedPay provides immediate access to care after a crash.
MedPay does not cover every medical expense. It excludes injuries that occur outside a vehicle, injuries from intentional acts, and expenses your health insurance already paid in full. It covers only reasonable and necessary expenses directly resulting from the crash, and only up to the per-person limit.
MedPay on a multi-vehicle policy applies the same per-person limit to every car. Adding a third or fourth vehicle does not increase your household's total MedPay coverage — it extends the same limit to occupants of those additional cars.
What MedPay Pays Across Your Household
Covered expenses include emergency room visits, hospital admission and surgery, physician and specialist fees, diagnostic imaging and lab work, prescription medications related to crash injuries, physical therapy and rehabilitation, dental work for crash-related injuries, ambulance and emergency transport, and funeral expenses up to the policy limit. MedPay pays these expenses whether the crash happened in Georgia or out of state, and whether your vehicle was moving or parked.
MedPay does not cover lost income, childcare expenses during recovery, pain and suffering, property damage, or injuries that occur outside the insured vehicle. It excludes injuries from racing, intentional acts, and use of the vehicle in a crime. When your health insurance has already paid an expense in full, MedPay does not duplicate that payment.
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MedPay Versus Bodily Injury Liability
Georgia requires every driver to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. That liability coverage pays injury expenses for people you hurt in a crash you cause. MedPay pays injury expenses for you and your passengers, regardless of fault.
Bodily injury liability does not cover your own injuries or your passengers' injuries when you cause the crash. MedPay fills that gap. When another driver causes the crash and carries adequate liability coverage, their insurer pays your injury expenses. When that driver is uninsured or underinsured, your MedPay pays immediately while you pursue the at-fault driver's assets or your own uninsured motorist coverage.
For a household insuring multiple vehicles, this distinction matters at claim time. If your teenager causes a crash while driving one of your household's cars, your liability coverage pays the other driver's injuries, but your own family's injuries are covered only by MedPay or health insurance. MedPay ensures your household has immediate access to injury coverage regardless of which driver caused the crash.
Georgia Minimum Liability Limits
$25,000 / $50,000 / $25,000
Georgia requires $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 in property damage liability. These minimums do not cover your own injuries — MedPay does.
Georgia Department of Driver Services
Choosing a MedPay Limit for Multiple Vehicles
The limit you select applies to every vehicle on your policy.
Match the limit to your household's health insurance deductibles and out-of-pocket maximums.
Compare Carriers Writing MedPay in Georgia
Every carrier writing auto insurance in Georgia offers Medical Payments coverage as an optional add-on. Limits, pricing, and coordination rules vary by carrier. When you're structuring coverage for multiple vehicles, compare how each carrier prices MedPay across your household's cars and how their coordination-of-benefits language handles existing health coverage. Carriers that write multi-vehicle policies in Georgia include State Farm, GEICO, Progressive, Allstate, Nationwide, Travelers, and Liberty Mutual, among others. Request quotes that show the per-vehicle MedPay premium so you can see the total household cost of adding this coverage to every car on your policy.