|SB 224 - Mot. Veh. Insurance - medical coverage|
First Reader Summary
A bill to amend Chapter 34 of Title 33 of the Official Code of
Georgia Annotated, known as the "Georgia Motor Vehicle Accident
Reparations Act," so as to provide for a definition; to provide
for medical payments coverage as optional coverage for all
private passenger automobile insurance coverage offered in this
Page Numbers -
||Read 1st time
||Read 2nd Time
||Read 3rd Time
SB 224 97 LC 19 3480S
SENATE BILL 224
By: Senator James of the 35th
A BILL TO BE ENTITLED
1- 1 To amend Chapter 34 of Title 33 of the Official Code of
1- 2 Georgia Annotated, known as the "Georgia Motor Vehicle
1- 3 Accident Reparations Act," so as to provide for a
1- 4 definition; to provide for medical payments coverage for
1- 5 private passenger automobile insurance coverage written in
1- 6 this state; to provide for related matters; to provide an
1- 7 effective date; to repeal conflicting laws; and for other
1- 8 purposes.
1- 9 BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:
1-10 SECTION 1.
1-11 Chapter 34 of Title 33 of the Official Code of Georgia
1-12 Annotated, known as the "Georgia Motor Vehicle Accident
1-13 Reparations Act," is amended by striking Code Section
1-14 33-34-2, relating to definitions, and inserting in lieu
1-15 thereof the following:
1-17 As used in this chapter, the term:
1-18 (1)'Medical payments coverage' includes any coverage in
1-19 which the insurer agrees to reimburse the insured and
1-20 others for reasonable and necessary medical expenses and
1-21 funeral expenses incurred as a result of bodily injury
1-22 or death caused by a motor vehicle accident, without
1-23 regard to the insured's liability for the accident.
1-24 Coverage shall be available to the named insured,
1-25 resident spouse, and any resident relative while
1-26 occupying the covered motor vehicle, and to any other
1-27 person legally occupying a covered motor vehicle.
1-28 Expenses must be incurred for services rendered within
1-29 three years from the date of the accident; provided,
1-30 however, that nothing shall prevent an insurer from
1-31 allowing a longer period of time. Any rule or
1-32 regulation promulgated which expands or conflicts with
1-33 this definition shall be null and void.
(1)(2) 'Motor vehicle' means a vehicle having more than
2- 2 three load-bearing wheels of a kind required to be
2- 3 registered under the laws of this state relating to
2- 4 motor vehicles designed primarily for operation upon the
2- 5 public streets, roads, and highways and driven by power
2- 6 other than muscular power. The term includes a trailer
2- 7 drawn by or attached to such a vehicle.
2- 8 (2)(3) 'Owner' means the natural person, corporation,
2- 9 firm, partnership, cooperative, association, group,
2-10 trust, estate, organization, or other entity in whose
2-11 name the motor vehicle has been registered. If no
2-12 registration is in effect at the time of an accident
2-13 involving the motor vehicle, the term means the natural
2-14 person, corporation, firm, partnership, cooperative,
2-15 association, group, trust, estate, organization, or
2-16 other entity who holds the legal title to the motor
2-17 vehicle or, in the event the motor vehicle is subject to
2-18 a security agreement or lease with an option to purchase
2-19 with the debtor or the lessee having the right to
2-20 possession, the term means the debtor or the lessee.
2-21 (3)(4) 'Self-insurer' means any owner who has on file
2-22 with the Commissioner of Insurance an approved plan of
2-23 self-insurance which provides for coverages, benefits,
2-24 and efficient claims handling procedures substantially
2-25 equivalent to those afforded by a policy of automobile
2-26 liability insurance that complies with all of the
2-27 requirements of this chapter."
2-28 SECTION 2.
2-29 Said chapter is further amended by adding immediately
2-30 following Code Section 33-34-3 a new Code Section 33-34-3.1
2-31 to read as follows:
2-33 (a) All insurers writing private passenger automobile
2-34 insurance in this state shall file rates and forms for
2-35 medical payments coverage for a limit of at least
2-36 $2,000.00 but may file rates for higher limits.
2-37 (b) Insurers may offer other optional coverage including
2-38 combinations of sublimits and interests restricted to
2-39 named insureds and resident relatives. Insurers may make
2-40 collision, comprehensive, and loss of use coverages
2-41 available as separate individual coverages and subject to
3- 1 differing levels of deductibles at the request of the
3- 2 policyholder.
3- 3 (c) Any rule or regulation promulgated which expands or
3- 4 conflicts with this Code section shall be null and void."
3- 5 SECTION 3.
3- 6 This Act shall become effective upon the signature of the
3- 7 Governor or on July 1, 1997, whichever first occurs.
3- 8 SECTION 4.
3- 9 All laws and parts of laws in conflict with this Act are
Clerk of the House
Robert E. Rivers, Jr., Clerk
Last Updated on 04/20/98