Why You Need More Than Basic Car Insurance Coverage
Recently, 20-year-old University of Kentucky football starter Ashely Lowery suffered serious injury from a single-car crash. His car ran off the road and overturned several times. If Lowery had crashed in Georgia carrying only basic car insurance coverage, neither Lowery’s injuries nor the damage done to his vehicle would be covered.
It is important to obtain additional car insurance to compensate you if you are hurt in a single-car crash, a hit-and-run accident or an accident where the driver who hit you is uninsured.
What basic car insurance covers in the state of Georgia
In the state of Georgia, everyone is required to buy a basic car insurance plan. This plan’s minimum limits of liability include the following:
- Bodily injury liability of $25,000 per person
- Bodily injury liability of $50,000 per occurrence
- Property damage liability of $25,000 per occurrence
The basic car insurance you purchase covers you only for damage you cause to others through your own negligence or lack of care. This coverage is meant to protect you if the victim(s) file a claim against you, alleging that you are at-fault for an accident.
What kinds of insurance cover your injuries and property damage?
Although you are not legally required to buy additional insurance in the state of Georgia, we highly recommend doing so. Additional insurance could cover tens, or even hundreds of thousands of dollars in medical bills in the event of an accident. For example, uninsured motorist coverage compensates you in the event that another at-fault driver carries no car insurance or flees the scene at which you are injured. MedPay (“no-fault”) covers you and your passengers’ medical and funeral costs, no matter who was at-fault for the accident.
Need help getting compensation from a driver with no insurance or after a hit-and-run accident?
An experienced auto accident attorney can help you get the compensation you deserve, even in difficult cases where the at-fault driver is uninsured or fled the scene of the accident. To discuss your case and determine the best course of action, call us today at (877) 851-4261.