Liability coverage pays for the other driver’s damages when the policyholder is at fault for an accident. The mandatory car insurance requirements that must be carried on a policy differ according to each state.
What type of coverage must Georgia motorists carry?
There are two types of liability coverage mandated in the state of Georgia. The first is bodily injury liability, which pays for the medical costs associated with the physical harm suffered by the other drivers involved in an accident if the policyholder caused it.
The second type of coverage is property damage liability. This can cover a variety of accident-related costs such as the other driver's vehicle repairs. But it also can include other types of damaged property, such as a laptop computer or other valuables that were inside the vehicle at the time of the accident.
What are the car insurance requirements for coverage in Georgia?
Motorists are required to carry a minimum $25,000 per person and $50,000 per accident of bodily injury liability. For one person’s injuries, there would be up to $25,000 of coverage. If there were additional occupants injured, up to $50,000 would be available per accident. However, many drivers carry greater coverage, such as $100,000 per person and $300,000 per accident.
With property damage liability, motorists must carry a minimum of $25,000 per accident. But again, many choose greater coverage, such as $50,000 per accident.
Although most times the minimum may be enough to pay for damages when an insured driver is at fault for a minor accident, this isn’t always the case, especially in cases of moderate or severe crashes. That’s why a lot of drivers carry supplemental types of insurance that could provide protection when policy limits are exceeded or in the event the at-fault driver fails to carry any auto insurance.
Jason Schultz can help if you need to pursue compensation for your damages. Check out our free eBook, The Ultimate Guide to Accident Cases in Georgia – The Truth about Your Injury Case.