Medical payments coverage, or MedPay, is optional auto coverage that pays reasonable and necessary medical and funeral expenses from a car accident, “without regard to the insured’s liability.” O.C.G.A. § 33-34-2(1) defines it. Fault doesn’t matter, and no lawsuit is needed.
Under that definition, it’s available to the named insured, a resident spouse, resident relatives while occupying the covered vehicle, and others legally occupying it. The details and limits come from the policy, and limits may be small compared to a hospital bill.
Who else pays changes the picture:
| Issue | Georgia rule |
|---|---|
| Is it required? | No |
| Can it pay when you're at fault? | Yes, by its definition |
| Can it stack with health insurance? | Depends on both policies |
| Can it reduce a UM recovery? | § 33-7-11(i) allows a policy to exclude liability for what was compensated by "medical payments coverage" |
| Does it mean you can't sue? | No. Georgia isn't a no-fault state |
| Reimbursement? | Check the policy; § 33-24-56.1 limits some reimbursement claims |
SB 68 didn’t change the definition, but its § 51-12-1.1 does affect how a court treats medical expenses and insurance in a later injury trial, for causes arising on or after April 21, 2025.
A person hurt in a crash can ask their insurer for the MedPay limit on the declarations page and submit bills promptly. If the policy sets a time limit from the accident date for the expenses, that controls.
MedPay also matters for a person in someone else’s car, such as a passenger, if the host’s policy has it.
General information about Georgia law as of November 2026. It is not legal advice and does not create an attorney-client relationship.