Car Accident Insurance

Imagine you have been injured in a car accident. You know you have insurance, but do you know exactly what your insurance covers? Do you know who pays when there is an accident? Do you when they pay? Does the insurance cover property damage, injuries, both? These are just some of the important questions that you need to be able to understand to truly understand your car accident insurance policy. There is always a risk of an accident when you are on the road and it is important you understand exactly how your insurance policy works. An experienced Georgia car accident attorney has extensive experience dealing with insurance policies and can help understand your policy and determine if your current policy is right for you situation.

Georgia is a Fault Car Insurance State

Each state has its own rules and regulations governing car insurance and car accidents. Georgia is what is known as a ‘fault’ car insurance state. This means that, following a car accident, a driver deemed at-fault will be liable for the damages caused by the accident. Importantly, this means that the at fault driver’s insurance company will be responsible for the injury and property damage liability. If you are attempting to recover damages from the other driver’s insurance policy, especially in the case of a serious personal injury, it is highly recommended that you employ the services of an experienced Georgia car accident attorney. Insurance company professionals can be very difficult to deal with, and you need an experienced lawyer working on your side to ensure that you can recover full compensation.

Georgia has Minimum Insurance Requirements

Georgia law mandates that the owner of an active vehicle must carry at least 25 thousand dollars of insurance coverage for personal injury damage and 25 thousand dollars for property damage. Clearly, a motor vehicle accident can cause damage well beyond these minimums. It is generally advised that you carry coverage beyond the state minimums.

You Should Review Your Accident Insurance Policy 

Every policy can be different. When you purchase or renew your car insurance policy, it is extremely important that you understand exactly what you are getting in return. Insurance companies hire experienced professionals to write their policies in very specific and very detailed ways. You should always have a copy of your insurance policy. If there is anything in your policy that you do not completely understand, or you are not sure if your policy includes the precise coverage that you desire, you should speak to an attorney experienced with accident insurance policies. Your attorney can comprehensively review your policy and determine if it is the best fit for you going forward.

Contact An Experienced Georgia Car Accident Attorney

Understanding car accident insurance is very important. You can be sure that the big insurance company understands Georgia’s rule and regulations and will try to do anything they can to get an advantage over the consumer. If you have been injured in a Georgia car accident, or you have any questions about Georgia accident insurance policies in general, The Angell Law Firm can help. We have nearly two decades of experiences fighting for the rights of injured accident victims. Call our office at (770) 217-4954 or contact us online to set up a free legal consultation.