Georgia does not use personal injury protection (PIP) as a form of car insurance, but it does allow the sale of medical payment insurance, which serves the same purpose. PIP is used primarily in states that use the no-fault system of accident resolution, while medical payment coverage provides you with the necessary medical attention without limiting your ability to sue for damages the way no-fault insurance does.
State Minimum Requirements
In Georgia, the state minimum requirements for insurance do not include any type of personal injury insurance, only liability coverage for people and property you cause injuries or damages to. Insurance requirements are 25/50/25, or $25,000 for one person's injuries, $50,000 for all persons injured, and $25,000 for all property damage. These limits apply to a single accident, with the full limit being to each accident.
Understanding Liability Insurance
The required minimum coverages in Georgia are for liability coverages rather than personal injury protection. Liability means that the insurance is meant to pay for the injuries you cause to other people or damages you cause to someone else's property. Liability injury insurance will pay for the injuries you cause to passengers in your own car, pedestrians or people in other vehicles, but it is not intended to pay for your own injuries if you are at fault in the accident.
Personal Injury Protection
Personal injury protection is a type of insurance that will pay for your own injuries and the injuries suffered by your passengers regardless of who is found to be at fault in the accident. Because your insurance company will pay a PIP claim immediately and then negotiate settlement with the insurance of the at-fault driver, this type of coverage is also referred to as no-fault insurance. Where PIP insurance is used, treating injuries can take priority over trying to decide who is responsible for the costs.
Medical payment coverage differs from personal injury protection in one major way: states that use PIP or no-fault coverage as the default insurance have restrictions on when you are able to sue the other driver or insurance company, but medical payment coverage does not have such limitations. Both forms of the coverage address the injuries of the insured parties first and then work out the degree of fault later, but medical payments allow you to take legal action if you are not satisfied with how the settlement is arranged.