Optimal Car Insurance: What Coverage Do You Really Need?

Every state in the United States has different requirements for individuals when it comes to the minimum car insurance you get away with on your car. Here in Georgia, the minimum coverage for automobiles is governed by O.C.G.A. § 33-1-1 et seq.  The entire purpose behind requiring minimum insurance coverage on motor vehicles is to protect the insured individual and the public. Think about it. If people were allowed to drive around with extremely low/no insurance and those people were to get into an accident with you, then you would have little/no money to pay for your medical expenses, vehicle damages, and pain and suffering.

The thing is that nobody really cares about why car insurance is required. They know they need it and they look for each and every possible way to save money getting it.

Although we never recommend you settle for the minimum on your insurance policy, we will happily provide the information to you. In the state of Georgia, each auto insurance policy must provide at least the minimum liability coverage of $25,000 for bodily injury or death per person, $50,000 for bodily injury or death per accident, and $25,000 for destruction to property. You do not need comprehensive coverage, you do not need collision coverage, you do not need medical payments coverage, and you don’t need uninsured/underinsured motorist coverage.  All you need is liability coverage to LEGALLY drive your vehicle in Georgia. Although we would never suggest opting for the minimum coverage on your policy, we understand that certain financial circumstances require you to find every possible way to save.

Being cheap can come at a cost!

Regardless, you need to know that opting for low coverage comes with a risk. If you are involved in an accident where you are at-fault and the medical expenses of the victim exceed $25,000, you could be in trouble and your assets are at risk. If you enjoy collecting your entire wage and maintaining the assets you own, then you need to make sure you have sufficient coverage to protect yourself. You may think that you are special and that you are a “good driver” and that you would never be involved in an accident, but you would be surprised. Motor vehicle accidents are exceedingly common and you could find yourself with your hands empty if you don’t have good insurance coverage!

If you’ve been involved in an auto accident in Georgia, contact Slam Dunk Attorney for one of the best car accident lawyers. We’ll provide you with professional legal counsel and get you the compensation you deserve. We are ready to listen to your story and take you from your lowest point back to where you belong! Call us today for a free strategy session!

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Although our team is based out of Duluth, Georgia and mostly serves drivers there, our expert team of lawyers and law professionals proudly serve Atlanta, and the surrounding cities:

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