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Green & Delan, LLC
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When car insurance doesn't cover all your crash-related losses

There are two reasons that people carry motor vehicle insurance. The first reason is that you must have a minimum policy to legally drive in Georgia. The second reason is peace of mind. You probably appreciate knowing that if you get into an accident because of a mistake or bad weather, the injuries and property damage that result will get covered by your insurance policy.

The truth is that automobile accidents can leave people with incredibly debilitating injuries. Some of the worst include:

  • head injuries
  • traumatic brain injuries
  • compound fractures
  • spinal injuries

Any of these injuries could result from a serious car crash. They could require weeks of hospitalization or even months of physical therapy. Depending on the circumstances of your crash and the insurance you and the other driver carried, there could be a substantial burden that falls to you after an accident.

State minimum insurance won't cover that much

If you or the other driver carry a motor vehicle liability insurance policy that only reaches the legal minimum of coverage under Georgia law, there could be issues. The state only requires property damage liability coverage in the amount of $25,000, which means that a new car, especially a nicer make and model, could well exceed that price. You can only expect to receive repair or replacement reimbursement up to the maximum value of the policy. You could end up covering thousands out of your own pocket.

The standard for medical coverage is even worse. It's $25,000 for one injured person or $50,000 per incident. That means that when someone with bad insurance crashes into your minivan with you and four kids inside, there's only $10,000 worth of medical coverage available for each of you.

There don't need to be multiple people injured for an accident's medical costs to exceed a policy's limits. Emergency transportation, trauma care, surgery and physical therapy could eat through $25,000 in a matter of days. When that happens, you may have some crossover coverage from your health insurance policy, but you'll be looking at major deductibles, co-insurance and co-pays for your care.

Civil lawsuits may be necessary to recoup losses

When your medical expenses, lost wages and property damages exceed the limits placed on the liability insurance policy of the person who caused the accident, you shouldn't get stuck with the bill. In some cases, your best option may be to bring a civil lawsuit against the other driver or other involved parties to recoup your losses.

The more serious your injuries, the longer you'll be out of work and the higher your overall medical expenses may be. You shouldn't get punished because someone else didn't have adequate coverage to offset the injuries he or she caused you.

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Alpharetta, GA 30022

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