When you go to purchase car insurance you will find that there are many different options and coverage categories you need to choose from. Georgia car insurance law requires a certain minimum threshold of coverage, but will that coverage protect you sufficiently or be able to cover compensation for injuries in an accident in which you are found to be at fault?
Georgia Car Insurance Requirements
Georgia requires that private individuals must carry car liability insurance that includes $25,000 per person for bodily injury, $50,000 per accident for bodily injury for two or more people, and $25,000 per accident for property damage. This liability insurance coverage is the least amount of car insurance you must carry in the state of Georgia in order to legally drive your vehicle.
You can purchase your insurance from one of many different car insurance providers, or you can opt to self-insure your car insurance through the Office of Insurance and Safety Fire Commissioner. Most people choose to get their insurance through an insurance provider. Even though your insurance card is not considered to be the sole proof of insurance, the state still requires that you carry proof of your car insurance coverage and keep it in your car at all times.
The Motor Vehicle Division also keeps a record of your insurance in the tag and title database that was provided by your insurance company. This electronic record can also provide proof of your insurance. You can check your Georgia car insurance status online at the Georgia Department of Revenue by entering your vehicle identification number. Individuals who are self-insured must also carry a self-insured information card and a certificate of self-insurance provided by the Office of Insurance and Safety Fire Commissioner.
People who fail to maintain car insurance and be financially responsible could have their car registration suspended for up to 6 months, a lapse fee and a reinstatement fee, and misdemeanor charges if they are caught driving without insurance before paying their fees and being reinstated.
Besides the obvious fines and misdemeanor charges associated with driving without car insurance in Georgia you put yourself at risk of losing financially if you are involved in an injury accident in which you and/or others suffer injury. Car liability insurance pays for the damages caused to others for both personal physical injury and for property damage and protects you from claims made against you for those damages.
East Point Car Accident Attorney
Many people decide to carry more than the minimum car insurance required simply because of the high cost of medical care that could result from a serious accident. You should also consider carrying uninsured and underinsured motorist insurance to protect yourself from people who decide to flaunt the law and drive without insurance, or those whose insurance coverage is inadequate. Many people seriously injured in car accidents find they need the help of a Vinings accident injury attorney to get the compensation they need and deserve for their medical bills not to mention other damages and costs they accrue because of their injuries.
Should you or a family member be involved in a car accident that was not your fault and suffer injury you should consult with an East Point car accident attorney. An experienced personal injury attorney can protect your rights and make sure that the insurance company pays you fair and full compensation for your damages. Damages may include medical bills, lost wages, rehabilitation, loss of enjoyment of life, pain & suffering and more. You will need the help of an attorney who is familiar with the law and the insurance companies who knows what kind of evidence and proof will be needed to build a strong case for you.
Vinings Car Accident Attorney Joel Baskin
Contact Vinings personal injury attorney Joel Baskin to get the help you need for your car accident injury claim or for any type of personal injury including slip & fall, medical mistakes, defective products, and more. Joel has been practicing personal injury law for many years and is a sincere and effective advocate for the injured. Joel Baskin has two convenient Atlanta offices, one in Vinings and one in East Point.