Does Geico cover medical bills resulting from the accident?
You may want to know — does Geico cover medical bills resulting from the accident? The answer depends on who was injured and has medical bills. Also, it depends on what Geico auto insurance coverage you have. Learn more about getting your medical bills covered by Geico.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Jul 12, 2023
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UPDATED: Jul 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you caused the accident, liability insurance does not cover medical bills for you or your passengers
- Geico has optional medical payments coverage you can add to your auto insurance policy to pay medical bills
- Under certain circumstances, medical bills may be covered if you have personal injury protection (PIP) or uninsured/underinsured motorist (UIM) coverage
When considering how much car insurance you need, it is wise to consider adding some important optional insurance to your auto policy in the states where this coverage is available.
The types of coverage that help pay for medical bills after an accident are personal injury protection (PIP), medical payments, and uninsured/underinsured motorists (UIM) coverage.
Keep reading to find out what kind of car insurance you need to have Geico cover medical bills resulting from an accident.
Geico Personal Injury Protection (PIP) Insurance for Medical Bill Coverage
Geico is a contender for the best personal injury protection (PIP) car insurance company. Some states require drivers to carry PIP insurance, also called “no-fault” insurance. In other states, it is optional.
If you are worried about having medical bills paid when you are injured in a car accident, this coverage will help. The coverage for medical bills that arise from bodily injury in a car accident does not depend on who is at fault.
It also protects you if you’re struck by a vehicle as a pedestrian or cyclist and will provide additional coverage for lost wages and household care if you’re unable to work during recovery. PIP insurance covers you and may also cover family members and others named in the policy.
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Geico Medical Payments Insurance Coverage
Geico is also one of the best medical payments (MedPay) coverage car insurance companies. Medical payments coverage is for you and your family members living in the same house. It may also cover passengers in your vehicle.
MedPay covers injuries if you are a passenger in another car that is involved in an accident or if you get hit as a pedestrian.
Things Covered by Geico Medical Payments Insurance
Here are some types of expenses that Geico medical payments insurance covers:
- Emergency Room Visits
- Medical bills for bodily injuries from a car accident
- Hospital bills
- Chiropractic
- X-rays
- Funerals
Medical payments insurance only covers medical bills for injuries caused by an auto accident. There is no coverage for lost wages or treatments unrelated to the auto accident.
When Geico Uninsured/Underinsured Motorist Coverage Covers Medical Bills
Uninsured/underinsured motorists (UM/UIM) coverage from one of the best uninsured motorist (UM) coverage car insurance companies pays the bills for personal injuries in an accident caused by a driver without insurance or when their insurance is insufficient.
According to III.org, one in eight drivers is uninsured, and even more are underinsured. The chance of getting into an accident with one of these drivers is too high for most who do not want to risk it.
The insurance adjusters at Geico know that having a car accident with a driver who does not have enough insurance is frustrating and costly. The legal expenses needed to sue the driver are very high.
Even if you go to the trouble of suing the driver and win the lawsuit, you may never be able to collect the judgment you won in the lawsuit. Having UIM coverage reduces this problem.
The Final Word on Geico Car Insurance for Medical Bills
Medical payments, personal injury protection (PIP), and uninsured/underinsured motorists (UIM) coverage are all options worth adding to your Geico auto policy if you want to have Geico cover medical bills resulting from an accident.
Consider having full coverage car insurance and adding optional coverage to ensure you are completely covered after a collision or accident.
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Frequently Asked Questions
Does the state minimum requirements for liability insurance cover my medical bills?
If you cause the accident, the liability insurance required by a state only covers the medical bills of the other driver and passengers up to the policy limit. It will not cover any of your medical bills.
How do I get coverage from Geico for my medical bills?
Under your Geico auto insurance policy, medical payments coverage is optional in some states and required in others.
Does UIM insurance cover the damages from a hit-and-run driver?
Uninsured/underinsured motorist coverage from Geico offers protection from hit-and-run accidents and pays your medical bills for injuries sustained in the accident.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.