In Georgia full coverage can mean that the only auto insurance coverage you have is what the law requires.Buyer Beware! When your insurance agent says you are buying "full coverage" you may feel safe. Problem? That can leave you shocked by what you have to pay after a collision.
If you buy minimum coverage in Georgia you will only have $25,000.00 of protection if you are at fault and injure another person. If you hurt more than one person there will be $50,000.00 of protection for all of the injuries. Property damage to other cars will be limited to $25,000.00 and that is less than the cost of a lot of cars on the road today. And if you cause a multiple car collision? You may be responsible for all the costs and that could lead to financial ruin.
What happens if the driver that hits you is at fault and has too little insurance or none at all (10 to 15% of vehicles on Georgia highways are not insured). You would receive nothing for your medical bills, lost wages and pain and suffering. You have a right to buy Uninsured Motorist (UM) Coverage on your policy for a small premium. Without this optional coverage you will get nothing for injuries from an uninsured driver even if you were told you had "full coverage".
When you buy insurance ask: If I hit someone how much will you pay? Who pays the rest? Will you fix my car?How much is my deductible? Will you pay my medical expenses? How much will it cost to get more coverage? Do I have uninsured motorist coverage? If you are not satisfied contact our Atlanta Georgia auto accident law firm and we will be happy to discuss your choices at no cost.
