A Brief Overview: The Types of Automobile Insurance in Georgia After a Car Accident

Car accidents can be distressing and overwhelming experiences. In the aftermath of a collision, it’s crucial to have a solid understanding of the various automobile insurance types available in Georgia. This knowledge can help you make informed decisions and navigate the claims process smoothly. In this post, we’ll briefly delve into the different types of automobile insurance available in Georgia and how Kevin can assist you during these challenging times.

1. Liability Insurance: Liability insurance is a legal requirement in Georgia. It covers bodily injury and property damage you might cause to others in an accident. This type of insurance helps you fulfill your financial responsibility in case you are at fault in an accident.

2. Uninsured/Underinsured Motorist Coverage: Not all drivers have insurance, or their coverage might not be sufficient to cover your expenses. Uninsured/underinsured motorist coverage steps in to protect you in such scenarios. It helps cover your medical bills and property damage if the at-fault driver is inadequately insured or lacks insurance altogether.

3. Personal Injury Protection (PIP): PIP coverage pays for your medical expenses and those of your passengers, regardless of who caused the accident. It can also cover lost wages and essential services if you’re unable to work due to injuries sustained in the accident.

4. Collision Coverage: Collision coverage is optional but highly recommended. It pays for repairs to your vehicle after a collision, regardless of who was at fault. This coverage is especially beneficial if you have a newer or more valuable car.

5. Comprehensive Coverage: Comprehensive coverage covers non-collision incidents such as theft, vandalism, fire, or natural disasters. It helps repair or replace your vehicle if it’s damaged by factors beyond your control.

6. MedPay: Medical Payments coverage, or MedPay, helps pay for medical expenses for you and your passengers, regardless of who was at fault. It can cover hospital bills, surgery costs, and even funeral expenses.

Amidst the confusion and stress following a car accident, having a skilled legal advocate by your side can make a world of difference.  Kevin Patrick specializes in personal injury cases, including car accidents. With a deep understanding of Georgia’s complex insurance laws, Kevin Patrick and his team can help you navigate the intricacies of your case. Kevin can be reached at (404) 566-5880 or Kevin@patricktriallaw.com to help answer your questions and guide you through this process.