PLGeorgiamedium
Which statement about Medical Payments coverage on a Georgia personal auto policy is TRUE?
AMedical Payments is mandatory on every GA auto policy
BMedical Payments has replaced PIP and pays wage-loss benefits
CMedical Payments only applies if the insured is struck by an uninsured driver
It is optional coverage paying medical bills regardless of fault
Why this is the answer
Medical Payments coverage in Georgia is an optional, first-party coverage that pays reasonable and necessary medical and funeral expenses for the named insured, family members, and passengers in a covered auto, regardless of fault. It is not mandatory and does not replace the repealed no-fault PIP—MedPay limits are typically small ($1,000–$10,000) and there is no wage-loss component.
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