Georgia Med-Pay and South Carolina PIP Coverage: No-Fault Auto Accident Benefits

January 5, 2017 No Comments by johnmixon

When we have a potential new client call our office after an automobile accident there is a short list of items that we need to be able to start the case on their behalf.  We ask the client to bring in the following items:

  • A copy of the accident report (if they have it)
  • Any and all discharge papers from the emergency room
  • Their private health insurance, Medicaid, or Medicare card
  • All photographs of the damage to their vehicle, injuries suffered, or the accident scene itself
  • A copy of their own car insurance declaration page

It never fails that we are immediately asked “Why do you need to see my insurance?”  The answer is really quite simple– We need to make sure you are not allowing your no-fault coverage to go unclaimed.

Most people simply write a check or have an automatic draft taken from their account to cover each of their monthly bills.  Very few people really know what they are getting in return for that monthly car insurance payment.  When you write that one check you are actually paying for a number of things.  A portion of that money is going to cover your liability (or money to go to another if you are negligent and cause the wreck), your UM coverage which will cover you if hit by an uninsured or underinsured driver, rental car coverage, and Med-Pay coverage if you live in Georgia or PIP coverage if you live in South Carolina.  Your declaration page will typically show you how much coverage you have in regards to each of these items and how much of your monthly check went to pay for that coverage.

Med-Pay stands for Medical Payments coverage and PIP stands for Personal Injury Protection coverage.  If you want to know a secret about Med-Pay and PIP it is this….they are the same thing just given a different name in each of their states respectively.  Another secret about theses two is that they are both state specific names for what most people understand to be No-Fault coverage.

The insurance company does not like it when their clients are informed so they often times bank on the fact that you will be too concerned about your premiums going up to look into making any sort of claim with them in the case of an accident that is not your own fault.  Simply calling this “No-Fault” coverage would make people think…”Hey this wreck wasn’t my fault so I have no fault……so shouldn’t I be able to get this money?”  The answer of course is yes!  If you have Med-Pay or PIP coverage and you are injured in an accident then that is your money!  If you don’t claim that money then all you have done is given the insurance company a monthly gift.

Most people carry either $1,000.00, $5,000.00, or $10,000.00 in this no-fault coverage.  In the case of a Georgia wreck many hospitals will not negotiate a reduction in bill unless they know if you have any no-fault coverage (and in many cases they don’t just want to know but they want it).  It doesn’t matter if your insurance company has a lizard with an accent, a football player, or an actor with a deep voice selling you on the fact that they care about you–the insurance company only cares about the bottom line; and that is even when dealing with their own policy holders.

If you have been in a car accident, motorcycle wreck, boating accident, or hit by an eighteen wheeler don’t get bamboozled by these large insurance companies!  Call John Mixon and Associates today!   We can be reached at (706) 724-9999 or toll free at 1-800-727-1234.  Allow us to put our combined 40 years of experience to work for you today.  We don’t have a talking lizard but we do have your best interest at heart.

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