While every driver must meet the mandatory Georgia car insurance requirements or face state-initiated penalties, some drivers opt for additional insurance.
In Georgia, all drivers must get the following auto liability insurance coverage, including:
- Bodily liability - $25,000 per person;
- Bodily liability - $50,000 per accident; and
- Property damage liability - $25,000 per accident.
For some drivers, the added security of 2 additional forms of coverage is desired since in Georgia it is the at-fault party's insurance that is responsible for the injury and damage that occurs. However, if that party has no insurance, having this additional coverage on your own policy can protect you. This includes uninsured motorist coverage (UN/UIM); and comprehensive coverage. The state of Georgia does not require these 2 forms of insurance.
Underinsured Motorist Coverage in Georgia
Uninsured motorist coverage offers additional security behind the wheel because it covers you if your car is damaged and/or if you are injured in an accident caused by an uninsured motorist. This means that your insurance company can account for your property damage and personal injuries without penalizing you.
Comprehensive Insurance Coverage in Georgia
Comprehensive coverage accounts for any physical damage to your vehicle which is not sustained in a collision.
Comprehensive insurance covers mishaps such as:
- theft;
- vandalism; and
- fire.
If you have a new vehicle in Georgia that is still under loan, you'll often find that your lender requires comprehensive coverage.
Whether you opt for extra coverage or the minimum Georgia car insurance requirements, if you've been in an accident caused by someone else's negligence, you have the right to seek compensation. Contact an Atlanta car accident lawyer who can navigate tricky negotiations with car insurance adjusters, and explain your legal options.
Contacting an Atlanta Car Accident Lawyer
If you are the victim of someone else's negligence or carelessness, whether in a traffic accident or some other type of accident, you have certain rights guaranteed by law. To help you understand these rights and seek the compensation you may be eligible for to help get your life back in order, contact the Atlanta Law Offices of Sheryl L. Burke for a no-cost consultation on your injury case.
