Types of Car Insurance Coverage in Georgia

A car accident in Georgia leaves individuals with injuries, bruises, and pain. Some people suffer for months and years. Even a minor injury becomes a nuisance for your life. That is why auto insurance coverage exists to help you cope financially. Recovering after a collision takes much time. During this period, victims need multiple therapies and medication. It costs a lot, and every person doesn’t have the required money.

Every vehicle owner in Georgia is required to have insurance, but they’re often unaware of the details of each coverage type. Without an understanding of coverage policies, you will not be able to take complete advantage of your insurance.

In 2019, the state of Georgia experienced 1,377 fatal crashes. Hundreds of people lost their lives, and others sustained several injuries. On top of that, many victims are psychologically and need therapy. Covering these expenses by yourself isn’t possible. A claim enables a person to get compensation for lost wages, pain, and suffering.

How Do Insurance Policies Help Victims After a Car Accident in Georgia?

Within the state of Georgia, all are required to carry minimum auto insurance coverage. Drivers may opt for higher liability limits given the rising costs of healthcare and auto repairs.

Your decision about the policy will affect how much you can recover from the other party after a car accident in Georgia. Therefore, choose an option wisely.

  • Minimum Coverage Requirements:

The minimum bodily injury liability provides $25,000 per person and $50,000 per accident. Property damage liability covers up to $25,000 per accident

  • Uninsured Motorist Coverage:

Uninsured/underinsured motorist coverage is designed to protect you if the other driver doesn’t have the required insurance, doesn’t have enough coverage, or leaves the scene before you can get his/her information. This type of coverage isn’t required in Georgia, but it’s wise to have it.

There are two types of uninsured motorist coverage. Uninsured/underinsured motorist bodily injury is designed to cover you and the people in your car for medical bills, lost wages, and pain and suffering. The basic coverage in Georgia is $25,000 per person and $50,000 per accident.

Basic uninsured motorist property damage coverage in Georgia pays up to $25,000 with a $250, $500, or $1000 deductible.

Developing an Understanding of Protection Benefits:

One should check their policies to confirm if they have personal injury protection or PIP. With PIP included in your insurance, most of your damages, no matter how minor, are covered. Usually, PIP covers:

  • Medical expenses
  • Optical case
  • Long term care expenses
  • Lost wages/job
  • Death benefits for family members

Without PIP, victims might not get their rightful compensation. If you are present in the vehicle at the time of the car accident in Georgia, you become eligible for recovering damages. However, just like other insurance policies, PIP also has a limit. The maximum coverage of PIP depends on the value of your insurance. Standard policyholders get over $250,000 whereas, basic policyholders receive only $15,000. Moreover, anyone who has maxed on their PIP limits can file charges against the negligent driver to get compensated.

How Do Insurance Types Affect Your Car Accident in Georgia?

When a liable party isn’t ready to pay for your damages, filing a lawsuit against them is the only option. However, pursuing such matters is not simple. Basic policyholders have a limited right to register a case for seeking compensation. People with a standard policy can choose between limited and unlimited rights to sue.

Understanding Other Types of Coverage with the Help of a Georgia Auto Accident Attorney:

Every standard insurance policy has some extra coverage options. These options come in handy after facing an unwanted crash. These additional coverage’s include:

  • Rental Car Coverage: Even if a driver has no liability insurance, you can use rental car coverage to cover your damages.
  • Roadside Assistance: Vehicles need to be towed after a crash. In such a situation, having roadside assistance helps cover the cost of using a tow truck.
  • Gap Coverage: With this kind of coverage, the gap between your loan and your vehicle market vehicle reduces.

Call The Most Qualified Georgia Automobile Accident Attorney to Set an Appointment:

With the assistance of Albany’s accident lawyers, you can get your rightful compensation. Often, we do not use our insurance policies wisely and make mistakes. At this stage, having legal guidance is a blessing. Our attorneys listen to your entire case and review your insurance coverage policy. We provide complete support to the victim and use every legal option. Call our helpline to talk to our representative. You can also have a one-to-one session with our experts.

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