Does Geico cover medical bills resulting from the accident?

You may wonder why you need auto insurance to pay medical bills when you already have health insurance. The answer is that Geico covers medical bills resulting from an accident when your health insurance won’t.

This could mean paying your co-pay or deductible. But it could also mean paying medical bills for your passengers and other injured parties.

Here, we will discuss the different types of auto insurance coverage and the circumstances under which Geico pays medical bills resulting from a collision. We will also consider which driver and/or passengers each type of policy covers. Read on to decide which Geico auto insurance policy is best for you.

Geico Insurance Policies That Cover Medical Bills Resulting From Accidents

Liability and uninsured/underinsured motorist insurance pay for medical bills and property damages. The difference between the two types of policies is whose bills they pay.

Affordable liability auto insurance coverage pays medical bills for pedestrians or people in other cars when you cause an accident. Basic liability insurance does not cover you or the passengers in your car when you cause the accident.

Uninsured motorist insurance will cover your medical bills when you’re in an accident caused by someone who doesn’t have insurance.

Underinsured motorist insurance covers you when the driver at fault doesn’t have enough insurance to cover your medical expenses. Uninsured and underinsured motorist insurance (UM/UIM) also covers you even when you’re a pedestrian.

Read more: How does the auto insurance claims process differ for uninsured/underinsured motorist coverage with Geico?

Geico’s Specialized Insurance Policies That Cover Medical Bills Caused by an Accident

Geico offers two types of policies that cover only medical expenses — Medical Payments Coverage (MedPay) and Personal Injury Protection (PIP).

Geico Medical Payments Coverage (MedPay)

MedPay covers medical expenses for you and your passengers regardless of who’s at fault. MedPay is great for people who choose health insurance with a high deductible or high co-pay. It’s also good if you have family members who don’t have health insurance, have high deductibles, or have high co-pays.

Geico MedPay covers medical expenses, such as:

• Doctors visits
• Emergency room visits
• Medical scans
• Chiropractors

MedPay doesn’t only cover you when you’re the driver. It can also cover you when you’re a passenger injured in someone else’s car and when you’re injured as a pedestrian.

Read more:

• Does Progressive cover medical bills resulting from an accident?
• What if I have medical bills resulting from the accident?

Geico Personal Injury Protection Insurance (PIP)

Affordable personal injury protection (PIP) auto insurance coverage is sometimes called no-fault insurance. It’s similar to MedPay because it covers drivers and passengers regardless of who is at fault. Seventeen states require drivers to carry PIP insurance.

Personal injury protection covers everything MedPay covers and more, including:

• Lost wages while the victim recovers from their injuries
• Nursing care
• Medical supplies and prescriptions
• Funeral services

Geico PIP insurance may also pay for someone to perform tasks you can’t do because of the injury.

The Differences Between MedPay and PIP from Geico

There are different auto insurance requirements by state. For example, while 17 states require PIP, only two states require MedPay — Maine and Wisconsin. Another major difference is PIP pays for items that MedPay doesn’t, like lost wages.

Buy Geico Auto Insurance That Provides Medical Payments

Liability only covers the driver and passengers in the other car when you’re at fault, and UM/UIM only covers your medical expenses when hit by a driver with no insurance or inadequate policy limits.

MedPay covers some medical expenses for you and your passengers, regardless of who is at fault. Personal Injury Protection (PIP) covers the same as MedPay, plus additional categories of medical expenses and lost wages.

Now that you know the difference in what’s covered with each policy, it’s time to compare auto insurance quotes to ensure Geico is the most affordable policy for you.