If your agent cares about you or you are tuned in, you will put medical payments insurance on your Georgia car insurance policy. This is a coverage that directly benefits you and your passengers in the event that you or they are hurt in an accident. It pays regardless of who caused the accident and does not have to be repaid if you make a recovery later against an at fault party. This coverage is comparatively inexpensive and I highly recommend that you at least get $5,000.00 in coverage. Christopher Simon, a car accident lawyer in Atlanta, knows that it can make all the difference between getting collections phone calls and sleeping through the night.
The easiest way to find out if you have the coverage is to pick up the phone and call the number on your insurance card. Just ask them, do I have medical payments or medpay insurance and in what amount. They will then walk you through how to open a claim.