Understanding Georgia car insurance policy is critical for several reasons, including:
- Ensuring you have the coverage you need in case of a crash
- Getting the money you need to cover your expenses if another driver causes you to suffer injuries in a collision
If you have questions about your current coverage, your insurer should be able to answer them and help you get the best policy to meet your needs. If you were in a Georgia collision and suffered injuries, working with a car accident attorney may be beneficial.
Georgia Requires Auto Liability Coverage
According to the Georgia Office of Commissioner of Insurance and Safety Fire (OCI), the state requires all vehicle owners to carry a certain amount of auto liability insurance. The minimum limits include:
- Bodily Injury: This coverage pays for the injuries suffered by victims of a crash caused by the policyholder. Minimum legal limits are $25,000 per person and $50,000 per incident.
- Property Damage: This policy pays to repair the vehicle of victims of car accidents caused by the policyholder. The limit is $25,000 per incident.
As you can see, this coverage is for accidents the policyholder is responsible for causing. This means they acted carelessly, recklessly, or made a mistake behind the wheel and caused the accident, as well as any injuries or damages suffered by others.
It would be under this policy that you would file a claim if another driver caused your traffic accident and you needed money to pay your medical bills, cover lost income, repair your car, and more.
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Additional Insurance Policies Are Available
While liability insurance is required, not everyone follows this law. This is why it is a good idea to invest in optional coverage for uninsured and underinsured drivers, also known as “uninsured motorist coverage.” This policy would cover your medical care and property damages if the driver who caused your crash did not have the required liability policy.
This coverage can be essential if they do not have enough insurance or the assets to cover your treatment costs and other damages. The policy limits are generally equal to those for your auto liability coverage.
Defining “Full Coverage” Insurance
Some people opt for “full coverage” insurance to:
- Ensure they have money to repair their vehicle if they cause an accident
- Pay for repairs if their vehicle is damaged in another way
- Fulfill coverage requirements because they financed or leased their vehicle and the lender or leasing company demands it
There are two types of physical damage insurance included in a “full coverage” policy:
- Comprehensive: This coverage pays for damage to a vehicle that is not related to a collision, such as a falling tree, theft, vandalism, or a broken windshield.
- Collision: This coverage repairs damage caused by a collision.
It is important to note that there are other types of available coverage that are not included in “full coverage” policies. You may want to consider these types of coverage, as well. They include medical payments (med pay), rental reimbursement, and towing.
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Know What to Do After a Georgia Traffic Accident
Knowing how to manage your insurance claim after a Georgia traffic accident is a key part of getting the insurance proceeds you need and deserve based on the details of your accident. Your insurer can help you file property damage and med pay claims if you were at fault.
However, if another driver caused the accident, you may want to consider hiring a car accident lawyer to help. The first step is to speak with a law firm. Most provide complimentary case reviews for crash victims.
Consult a Personal Injury Firm That Handles Car Accident Cases
Car accident lawyers can handle all aspects of an insurance claim or personal injury lawsuit, including valuing the case and negotiating with the insurer. Most car accident law firms work based on a contingency fee, with no upfront costs for crash victims and their families.
Follow the Personal Injury Statute of Limitations
You likely have up to two years to decide if you need to sue to recover compensation in your case or not, per O.C.G.A. § 9-3-33. However, exceptions could reduce this timeline.
In addition, there are numerous other reasons why you need to get started much earlier. To illustrate, witnesses may not remember how the accident occurred after some time, so the sooner you get their testimony, the stronger your case can be.
We recommend that accident victims reach out to a personal injury law firm as soon as their injuries are stable enough or when they decide they are ready to file their claim or lawsuit.
Speak With a Team Member from Bader Scott Injury Lawyers for Free
At Bader Scott Injury Lawyers, our Georgia car accident attorneys are here to help you after an injury accident. We offer complimentary case assessments and consultations where we can discuss your rights, options, and what to do next. We can also explain our services, pricing, and more. Let us review your collision case with you today.