UNDERSTANDING MINIMUM LIABILITY CAR INSURANCE

In Georgia, licensed drivers are all required to maintain a car insurance policy with liability coverage. On paper, this is a valuable requirement that allows car accident victims to access the relief they need to cover medical bills and other post-collision expenses. However, injury victims in Georgia are still frequently left without the coverage they need. This is because most drivers elect for the cheapest coverage option: minimum liability coverage.

UNDERSTANDING MINIMUM LIABILITY COVERAGE

Liability coverage is meant to ensure that when a policyholder causes an accident, any resulting injury victims are provided some kind of coverage. The cheapest option for many drivers is minimum liability coverage, which has a low ceiling on how much that policy will provide an accident victim.

In Georgia, minimum liability coverage includes:

  • $25,000 for a single person injured
  • $50,000 for multiple people injured
  • $25,000 for property damage

Where minor accidents/injuries are concerned, minimum coverage is probably sufficient enough to cover the resulting costs. However, when serious injuries are involved (or multiple, seriously injured victims), you can see where these minimum amounts can fall far short of providing what a deserving injury victim would require.

FIGHTING FOR THE COVERAGE YOU DESERVE

There’s another hurdle to consider when trying to claim liability coverage: the insurance provider’s resistance to providing the full amount. These insurance providers will go to great lengths to protect their bottom lines and if they see an opportunity to reduce their obligation to pay a coverage policy, it is likely that they will take it.

That is why it is always advised car accident victims retain proven counsel when seeking compensation from a negligent driver. Whether you need to negotiate further with an insurance provider or take the driver at fault to court, a dedicated and aggressive Dalton car accident attorney can ensure your claim to proper relief is compellingly put forth.

Do you need to fight for compensation after your car accident? If so, use our online form to request a free case evaluation with McMahan Law Firm, LLC today.