Cars are certainly convenient, but they can also cause horrific injuries and life-altering property damage in a matter of moments. Even small mistakes can lead to hundreds of thousands of dollars in cumulative damages, which could be well more than one person could repay on their own.
Georgia requires that all drivers carry liability insurance because of the risk involved with driving. You expect to make an insurance claim against the person to blame for your crash, but you may not know exactly how much coverage to expect.
What will insurance likely cover after a motor vehicle collision in Georgia?
You are subject to the other driver’s policy limits
The coverage everyone carries offers a maximum level of protection. State law requires at least $25,000 of coverage for property damage and bodily injury liability coverage. Drivers do have the right to invest in more coverage. They can pay for additional kinds of insurance or increase the maximum coverage possible on their policy.
An insurance company will never pay you more than the maximum coverage the other driver carries. You may need to negotiate assertively to get even that much from the company.
Can your policy help as well?
If the person who caused your crash doesn’t have good insurance, you could be the one paying the difference between their coverage and your costs. Your own insurance policy can help you if you have uninsured/underinsured motorist protection or collision coverage. The law in Georgia also permits personal injury lawsuits if your situation meets certain standards.
Knowing what compensation is available to you can help you make the best decision after a motor vehicle collision in Georgia.