Frequently Asked Questions

Frequently Asked Questions

What is Med Pay?

Will Filing an Accident Claim Raise My Insurance Rates?

How Much Is My Case Worth?
 

WHAT IS MED PAY?

Med Pay is an additional type of coverage you may or may not carry on your auto insurance policy. In general, it covers you and whomever is in your car. In Georgia, medical payments coverage is not required as it is in some states. Most people do not even know it is available to them and generally will not be offered as part of an auto insurance quote unless you ask for it. Coverage amounts are usually limited to $5,000.00 or less, but the policy rates are very reasonable…often only a couple dollars per month in addition to your regular auto insurance policy. The amount of Med Pay coverage applies to each individual, so if there are multiple people in your vehicle with injuries, each person can make their own claim up to the value of the policy. Med Pay pays your medical bills, up to the coverage amount, after an accident. Some people are hesitant to use their Med Pay coverage because they think it will negatively impact their insurance premiums by making a claim. However, your insurance company already knows you were in an accident, so utilizing Med Pay, coverage you pay for, will not increase any impact the accident has on your insurance premiums.

WILL FILLING AN INSURANCE CLAIM RAISE MY INSURANCE RATES?

It may. Every year, insurance companies run a report on their drivers before policies are reissued. Even if you are not at fault in an accident, your insurance company will know you were involved in an accident. Under every policy, there is an obligation to report it to your insurance company so don't stress about your rate. Insurance is there to provide coverage when you need it, and the thousands of dollars your insurance company may pay after an accident far outweighs the few dollars your policy might increase. 

HOW MUCH IS MY CASE WORTH?

There is no easy, one-size answer to this question. The value of your case depends on many different factors. Were you injured? What kind of injury did you sustain? What type of treatment will you need? How long will it take you to heal? Do you have a permanent injury? How much damage was there to the vehicles involved? How many other people were involved? How much insurance coverage does the at-fault driver have? Do you have uninsured/underinsured coverage? Do you have lost wages? And many, many more… You may have hundreds of thousands of dollars in medical expenses and no uninsured/underinsured coverage, but the at-fault driver may only have $25,000 of coverage. In such a case, your case may only be worth $25,000. Dozens of factors must be examined and weighed to determine the value of every case. Call Scott Pryor Law Firm at 770.560.3101 for a free case evaluation. It’s fast and free, and Scott's team will do everything in their power to give you the answers you need.

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