What Kind of Auto Insurance Should I Have?
While most people want to have auto insurance to protect them, the state of Georgia also requires minimum coverage to be carried when it comes to liability. Make sure you recognize the different types of policies available and what they mean for you:
- Liability coverage: Liability coverage is a requirement for all drivers in Georgia. This dictates the amount of necessary coverage should you cause an accident resulting in injury, death, and / or property damage. The minimum coverage limits are as follows:
- $25,000 limit per person for bodily injury or death
- $50,000 limit per accident for bodily injury or death
- $25,000 limit for damage done to property
- Uninsured motorist coverage: Also combined with under-insured motorist coverage, these types of policies help cover expenses when the other driver is at fault for the accident and they either don’t have insurance, don’t have enough insurance, or perform a hit and run.
- Medical payments: This policy is designed to help cover the costs of injury or death for you and / or your passengers in the event you are hurt in an accident.
- Collision: Medical payment policies don’t cover the cost of damage to your vehicle, so policies for collision are there to help repair or replace damage to your car.
- Comprehensive: This policy does not relate to any sort of auto accident and is designed to cover the cost of repair or replacement of a vehicle that has been stolen or suffered damage due to vandalism or natural causes.
These auto insurance policies safeguard you in the event you’re in a car accident—some when you’re at fault and other’s when you’re the victim. It’s critical that you recognize the importance of these overages and choose the right policy for your situation.
If you run into a problem dealing with a claim with an insurance company—either yours or the negligent party’s—you deserve the right to take legal action. Our South Georgia car accident attorneys at Hudson King are here and ready to help you.
Contact our firm today by calling us at (229) 515-8585 to discuss your potential case.
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