If you are a motorist in Georgia, it is important to know the minimum Georgia car insurance requirements. These requirements establish the minimum levels of insurance coverage that every motorist must buy. In some states this coverage will protect you against property damage, personal injury, and damages caused by uninsured motorists.
Georgia Liability Insurance Requirements
However, in Georgia you are not required to carry medical payments nor uninsured motorist coverage (UM). Georgia car insurance requirements only require motorists to have liability insurance for:
- bodily injury liability for one person in one accident;
- bodily injury liability for all persons in one accident; and
- property damage liability for one accident.
Georgia Minimum Car Insurance Requirements
Furthermore, Georgia car insurance requirements set the minimum amount that you will need for each of these 3 types of car insurance coverage. The minimum Georgia car insurance requirements are set at 25/50/25, which means that you will need:
- a minimum of $25,000 of bodily injury liability for one person in one accident;
- a minimum of $50,000 bodily injury liability for all persons injured in one accident; and
- a minimum of $25,000 property damage liability for one accident.
Car Insurance Coverage Across State Lines
If you are covered by Georgia car insurance requirements and you are involved in an accident across state lines, and that other state requires higher minimum insurance coverage, your policy will automatically increase to meet those higher requirements.
For instance, if you are involved in an accident in North Carolina, where the minimum insurance requirements are 30/60/25, your Georgia car insurance requirements will be raised to meet North Carolina's minimum requirements.
If you are covered by Georgia car insurance requirements, and you have been injured in a south Atlanta car accident, you should get the help of an experienced Georgia personal injury attorney.
Contact the Law Offices of Jason Schultz to schedule a FREE consultation on your case by calling (404) 474-0804.
What Georiga Car Insurance Can Cover
The purpose of Georgia car insurance requirements is to financially protect you in case of a serious accident. If you are in a car accident, your Georgia car insurance may pay for your damages up to the limits of your policy and your degree of fault. For instance, after an accident, your Georgia car insurance may pay for:
- your medical expenses;
- any mental or physical pain that you suffered as a result of the accident; and
- any wages that you may have lost because of the inability to return to work.
For your Georgia car insurance to pay for these damages, you will have to file an insurance claim. Once your claim is filed, an insurance adjuster will be sent to determine the value of your damages. However, an insurance adjuster may underestimate the value of your damages, or they may deny your claim altogether.
This is where you will need the help of an Atlanta personal injury attorney. An experienced attorney will advise you during the claims process and protect your rights for compensation. If you are offered a settlement that is too low, you can decline to accept the settlement offer, and your Atlanta personal injury attorney may be able to negotiate a better settlement offer.
Furthermore, if you and the insurer can not agree upon an acceptable settlement, you may choose to pursue damages in a personal injury lawsuit. In this case, you will have to file a lawsuit in a formal court of law, where your Atlanta personal injury attorney will represent your case
Contacting an Atlanta Personal Injury Attorney
When filing a Georgia personal injury claim, it is important to have an experienced professional on your side. As the victim of a Georgia accident, you have rights that the insurance companies cannot ignore. While they have a team of lawyers working on their side, shouldn't you have experienced legal representation fighting for your best interests? Before accepting any settlement offer, contact the Law Offices of Jason Schultz to schedule a FREE consultation on your case by calling 404-474-0804.