Atlanta Car Accident Liability Insurance

Like most states, Georgia law requires all drivers to obtain a minimum amount of liability auto insurance. By purchasing this coverage, drivers are protected from the substantial costs that often result from a car accident. But what exactly is car accident liability insurance and how does it affect you if you are involved in an accident?

Liability coverage compensates drivers for any injuries, medical expenses, and property damages that result from an auto accident. These policies also pay for any emergency help that is called to the scene of an accident, as well as lost wages, funeral expenses, and pain and suffering.

The minimum liability coverage in the state of Georgia is $25,000 for bodily injuries, $50,000 for medical expenses, and $25,000 for property damages. In other words, if you purchase the minimum coverage required by law, your insurance will pay each person up to $25,000 for bodily injury claims that result from an auto accident, up to $50,000 in physical and medical expenses, and up to $25,000 for property damages.

Of course, if you are involved in a car accident and it was not your fault, your insurance company should not be held responsible for paying your medical bills and vehicle repair costs. Rather, the driver who caused the accident should use his or her liability insurance to cover your expenses.

Unfortunately, even if you have the minimum amount of liability insurance, it may not always be sufficient for serious injuries. If a claim exceeds the limits that are specified in your policy, you will be responsible for the unpaid portion. Likewise, if you are not at fault and the other driver does not have sufficient coverage, you will be responsible for whatever is left over. It is always a good idea to invest in extra coverage just in case you are ever involved in a serious injury.

If you are involved in a car accident, make sure you get the other driver’s insurance information and the information you need to obtain a copy of the police report. If the accident is not your fault, it is important to obtain legal counsel immediately so you can negotiate a fair settlement with the other driver’s insurance company.

Get the maximum compensation you can. Contact the Law Firm of Jerry Lee Webb today to put more than 150 years of combined experience to work for you. After representing numerous clients across the Atlanta area, Mr. Webb and his team have recovered millions of dollars for clients just like you. Call now to discuss your case.