Three things covered by liability insurance are:
- coverage for bodily injury of one person in any vehicle involved in the accident (Georgia minimum: $25,000);
- coverage for bodily injury of more than one person in any vehicle involved in the accident (Georgia minimum: $50,000); and
- coverage for property damage caused by the crash (Georgia minimum: $25,000).
In reference to passengers in your vehicle, “bodily injury” liability refers to your passengers’ medical bills and lost wages. Your insurer will pay for those things as long as the cost does not exceed the maximum stated on your plan.
For instance, if two passengers were injured in your vehicle, your car insurance plan will cover up to $50,000 in medical bills and lost wages. However, if their bills amount to $65,000, you might be personally responsible for paying the remaining $15,000. For this reason, if you have the option to purchase more than the minimum liability insurance, it may be a good idea to do so.
