In Georgia, the easiest way to find out your insurance coverage is to pull your policy. The insurance policies usually renew every six months to a year. There are many types of coverage. If you are injured in a car wreck and it was your fault, you should at your liability coverage. That is the coverage that you have contracted through your insurance company. They will provide coverage up to that amount. They will also provide you legal counsel if you are sued.
If you are involved in a car wreck and it was the other drivers fault you will want to look for medical payments coverage and uninsured/under insured motorist coverage. Both of these coverages are optional and are not required to be in compliance with Georgia law. As such you may not carry this coverage. If you are reading this and do not have either of these coverages and have not already been involved in a wreck, then you should look into buying this immediately.
Medical Payments coverage is primary medical coverage if any one is injured, it follows you and should pay before any health insurance benefits. If you do not have this coverage then you may need to pay your medical bills if you do not have health insurance.
Uninsured / Under insured Motorist coverage is coverage provided by your insurance company if the at-fault driver does not have insurance (uninsured) or if the at-fault driver does not have enough insurance (under insured). This topic will be covered in future posts.
If you can not get answers from your insurance company on what coverage you have available, fax your policy to my office and I will be glad to provide you this information for free. Everyone should know what amount of insurance coverage they have on their vehicles. We can not prevent other drivers from hitting us, but we can prevent the financial devastation it can cause if we do not have proper insurance coverage or are under insured.
Call an Savannah Personal Injury Lawyer at 770-948-5454.