So fairly often, auto-accident victims assume that they’ve “full protection” auto insurance coverage on their automobile, however, sadly, that always isn’t the case. At The Sullivan Legislation Agency, we now have over 25 years of expertise dealing with auto accident instances in Statesboro and all throughout Georgia. Here is a short information to auto insurance coverage protection from The Sullivan Legislation Agency.
So fairly often, auto-accident victims assume that they’ve “full protection” auto insurance coverage on their automobile, however, sadly, that always isn’t the case.
“Legal responsibility” protection is the quantity of protection you could have in your automobile to pay out to another person in case you trigger an accident.
“Uninsured” or “Underinsured” Motorist protection (UM protection) is the quantity of protection you could have in your automobile to pay to your self and/or your passengers if another person causes an accident that leads to accidents to you or your passengers. This protection particularly protects you and/or your passengers within the occasion that the one who prompted the accident is both uninsured or doesn’t have sufficient protection.
“Medical Funds” (MedPay) protection is extra protection you’ll be able to add to your coverage to pay for medical payments or prescriptions associated to an auto accident. MedPay protection is offered in $1,000; $2,000; $5,000; and better increments.
The minimal quantity of legal responsibility protection you might be legally required to need to drive your automobile on the highway in Georgia is $25,000 per individual and $50,000 per accident. If somebody hits you and so they solely have the minimal protection, that signifies that, irrespective of how badly you might be injured and irrespective of how excessive your medical payments are, $25,000 is the utmost quantity that a person individual can recuperate from that coverage, and $50,000 is the utmost quantity that shall be paid out from that coverage irrespective of how many individuals are injured. (For instance, if there have been three folks within the automotive, they must share the $50,000 in protection.) Legal responsibility protection can also be offered in bigger quantities, however that is the minimal quantity of protection required.
You might be NOT required to have UM protection in your automobile, which implies that you could be be legally coated however not absolutely protected. In case your accidents and medical payments end in damages exceeding the quantity of legal responsibility protection accessible (minimal $25k/$50k), then you should utilize your personal UM protection to make up the distinction. This is the reason it’s so essential to have at the least some type of UM protection in your coverage.
UM protection is available in two varieties: “add-on” or “diminished” protection. “Add-on” signifies that the quantity of UM protection you could have shall be “added on” to the quantity of legal responsibility protection that the opposite individual has. “Lowered” signifies that the quantity you’ll be able to recuperate from your personal coverage shall be “diminished” by the quantity of legal responsibility protection that the at-fault driver has. For instance, if an individual with $25k in legal responsibility protection hits you, and you’ve got $25k in add-on UM protection, you should have a complete of $50k in relevant protection accessible to you. If, nonetheless, you could have $25k in diminished protection, you’ll solely have the $25k in legal responsibility protection accessible to you. Alternatively, in case you have $100k in UM protection and the at-fault get together has $25k in legal responsibility protection, you should have relevant protection totaling $125k in case you have add-on UM protection, or $100k in case you have diminished UM protection.
In case you reject UM protection fully and you might be hit by an uninsured driver, you’ll not have any relevant insurance coverage protection accessible to you. This is applicable to medical/bodily damage claims in addition to property injury claims. And though it’s unlawful in Georgia for drivers to be fully uninsured, it does occur.
You don’t wish to depend on another person to have insurance coverage to cowl you within the occasion of an accident. Due to this fact, it is crucial that you just examine your insurance coverage coverage and ensure you know what protection you do or don’t have. Typically, it doesn’t value rather more both month-to-month or yearly so as to add UM and/or MedPay protection to your coverage.
Each case is completely different, and there could also be extenuating circumstances that pertain to your specific scenario. Nevertheless, realizing what protection you could have is essentially the most fundamental factor you are able to do to guard your self and your passengers whereas on the highway.
At The Sullivan Legislation Agency, we now have over 25 years of expertise dealing with auto accident instances in Statesboro and all throughout Georgia. In case you’ve been injured in an accident, name us at 912-489-8888 or CLICK HERE to schedule a free session!
