MedPay & Car Insurance After an Accident in Georgia
Quick answer: In Georgia, MedPay (Medical Payments Coverage) on your own auto policy pays for chiropractic care and other medical bills after a car accident — regardless of who was at fault — and using it does not raise your rates. Georgia is an at-fault state and does not use PIP. Revive Medical Center bills MedPay and at-fault liability directly, so most accident patients pay $0 out of pocket.
What is MedPay?
MedPay is optional coverage on your car insurance policy that pays medical bills after an accident, no matter who caused it. It typically covers:
- Doctor and chiropractic visits
- Physical therapy and rehabilitation
- Diagnostic imaging (X-rays, MRI)
- Emergency room and hospital bills
Coverage limits commonly range from $1,000 to $10,000 per person. Because it pays regardless of fault, you do not have to wait for the insurance companies to decide who was responsible before getting treatment.
Does MedPay cover chiropractic care?
Yes. Chiropractic care for accident injuries — including whiplash, neck and back pain, and disc injuries — is a covered medical expense under MedPay. Revive Medical Center bills your MedPay directly, so you can focus on healing instead of paperwork.
MedPay vs. PIP: the Georgia difference
Many online articles confuse these — here is the accurate version for Georgia:
- PIP (Personal Injury Protection) is no-fault coverage required in states like Florida and Michigan. It can also pay lost wages.
- Georgia is an at-fault state and does not use PIP. Georgia drivers rely on MedPay plus the at-fault driver’s liability coverage.
So if your accident happened in Georgia, the coverage you are looking for is MedPay, not PIP.
How your accident care gets paid — your options
- MedPay — your own policy, pays regardless of fault, no premium increase.
- At-fault driver’s liability insurance — covers your costs if another driver caused the crash.
- Health insurance — usable as secondary coverage.
- Letter of Protection (LOP) — if you have an attorney, treatment is paid from your settlement, with nothing upfront.
Treat now, pay $0 upfront
Revive Medical Center handles the insurance side for you. We bill MedPay and at-fault liability directly and accept letters of protection from personal injury attorneys, so most accident patients owe nothing out of pocket. We also provide the detailed documentation your insurance claim or legal case requires.
📞 Call or text 678-701-6397 to verify your benefits and book a same-day accident visit. 753 Old Norcross Road, Lawrenceville, GA 30044 — serving all of Gwinnett County.
Frequently Asked Questions
Does MedPay cover chiropractic care after a car accident?
Yes — chiropractic care for accident injuries is covered, regardless of fault. Revive bills MedPay directly; most patients pay $0.
How does MedPay work?
It pays your medical bills up to your limit (commonly $1,000–$10,000) no matter who was at fault, without raising your premiums.
How is MedPay different from PIP?
PIP is no-fault coverage used in states like Florida; Georgia is at-fault and uses MedPay instead. In a Georgia accident, MedPay is the relevant coverage.
Will using MedPay raise my rates?
No. It is coverage you already paid for, and using it does not increase premiums.
What if I don’t have MedPay?
Your care can be billed to the at-fault driver’s insurance, your health insurance, or paid from your settlement via a letter of protection. We work with all of these.
Disclaimer: This page is general information, not legal or insurance advice. Coverage varies by policy — call us at 678-701-6397 to verify your specific benefits.
