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How much insurance coverage should I purchase to protect myself if I am involved in a car accident?

Whether you caused a crash or were the victim of it, you want to have enough automobile insurance coverage to protect yourself. Unfortunately, Georgia’s minimum liability insurance coverage that all motorists must purchase would do little to protect you if were the negligent driver or compensate you if you suffered any injuries. However, you do have the option of purchasing additional insurance coverage. How much insurance coverage do you need if you are involved in a motor vehicle accident?

Purchase These Recommended Insurance Coverages to Protect You After a Car Accident

Auto Insurance Coverage PaperworkUnder Georgia law, you are only required to purchase personal injury liability insurance of $25,000 per injured person or a maximum of $50,000 if more than one person is injured in a car accident where you are at fault. You are also required to have $25,000 in property damage liability coverage to pay for property damage you cause in a crash. This amount fails to protect you if you are the negligent driver or to compensate you if you suffer injuries.

Not having sufficient insurance coverage could cause you great financial hardship that you could avoid by paying for good coverage. To fully protect yourself, you should at a minimum purchase these insurance coverages:

  • Bodily injury liability. You should increase your coverage to $100,000 per injured person and $300,000 if more than one person is injured in a single crash.
  • Property damage liability. You want at least $50,000 in coverage to ensure your insurance company would pay what you owe if you cause an accident.
  • MedPay. You want to add this optional insurance coverage that could pay your medical expenses, whether or not you were at fault in causing an accident. You want to purchase a minimum of $10,000 in coverage and should consider increasing this amount given the thousands of dollars you could incur in medical bills for the treatments you may need to get well.
  • Uninsured motorist coverage. This insurance should really be mandatory—it is that crucial to have. This coverage protects you when the at-fault driver has no insurance. You should have at least $100,000 per individual and $300,000 per occurrence in coverage.
  • Underinsured motorist coverage. This protects you when the negligent driver has automobile insurance, but it is too low of an amount to fully compensate you. The recommended insurance amount is the same as for uninsured motorist coverage.
  • Collision coverage. Collision insurance would pay to repair or replace your vehicle after you pay your deductible, which should be at least $500 unless you choose a higher amount.
  • Comprehensive coverage. If your vehicle is damaged in a fire or theft, this coverage would reimburse you. This coverage also comes with a deductible of at least $100.

Even when you make a claim with your own insurance company after a crash, you need an experienced car accident attorney to help you negotiate your settlement—to ensure you are not being taken advantage of. Call our office today at (404) 998-5252 to schedule your free, no-obligation consultation.

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