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Home » The Big 6

The Big 6

August 2, 2021 GA Injury Advocates

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A Layperson’s Guide to Auto Insurance Coverage Options

A Layperson’s Guide to Auto Insurance Coverage Options

If you haven’t taken a look at your auto insurance policy in a while, now’s a good time to revisit it and make sure you have the coverage you need. Insurance can get complicated, so this month, I’m laying out the basics of six types of coverage.

First, there are two kinds of coverage required by the state:

  1. Bodily Injury Liability is mandatory coverage that helps pay for another party’s injuries if you are responsible for an auto accident. In the state of Georgia, the minimum required bodily injury liability is 125,000 per person and 150,000 per accident.
  2. Property Damage Liability is also mandatory. Whereas bodily injury helps pay for medical bills due to injury, property damage coverage helps pay for damage to their vehicle when you are at fault for the accident. Georgia requires a minimum property damage liability coverage of 125,000 per accident.

Georgia also strongly recommends uninsured motorist coverage, though auto policyholders are allowed to reject this coverage.

  1. Uninsured/Underinsured Motorist Coverage (UIM) helps protect you in the event that you’re hit by an underinsured or uninsured driver. While it is illegal to drive without the minimum insurance coverage outlined above, people still do it. Similarly, if you’re hit by a driver who only has the minimum required coverage, your repair or medical bills may exceed what their policy will payout. In this case, UIM will help cover the remaining costs.

The state recommends $25,000 per person and $50,000 per accident in UIM bodily injury coverage and $25,000 in UIM property damage coverage (this also has a deductible). I’ve written about UIM in previous newsletters, and I would highly recommend that all drivers add this to their policy. It’s often a nominal monthly increase to your bill, but it can really pay off if you’re in an accident with a driver who doesn’t have adequate insurance coverage.

The final three types of coverage you may be offered are not mandatory in Georgia, but each has its merits. Note that if you are leasing your car or paying on a car loan, your lender may require them.

  1. Comprehensive Coverage helps cover weather damage (e.g., hail or fire), as well as vandalism and theft. If you have comprehensive coverage, you should check your policy or talk it over with a representative to make sure you know exactly what’s covered, if there are any exceptions, and what your deductible is. That’s the amount you have to pay before your insurance will start paying out.
  2. Collision Coverage helps pay to repair your car if you collide with another vehicle or an object, even if the accident was your fault.
  3. Medical Payments Coverage helps you pay for medical costs resulting from injuries due to a collision. It often covers you and any passengers who are in the insured vehicle at the time of the accident.

It’s good to have a solid understanding of each of these types of coverage and to ensure your policy offers the protection you need. While $25,000 may seem like a lot to cover bodily injury, those who’ve been injured in an auto accident know firsthand that medical bills can quickly add up. In addition to treatment immediately following an accident, if you need surgery, physical therapy/rehabilitative services, or sustain serious injuries that require many follow-up and specialist appointments, you’ll be happy that you chose more than the minimum coverage.

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Daniel Seidán Boquete
Daniel Seidán Boquete
14:43 21 Jun 22
It's a great staff, who is really engaged with their client's situations
Edwin Aviles
Edwin Aviles
16:38 25 Mar 22
"I don't want to lose my job" something as simple as this, you believe you wont have trouble getting worker Comp from... right ? WRONG the fact that i work even a month with a messed up knee in the job trying everything to keep it and be in good term with the company. I'm toss out. I was so lost in the process cause the fact they're were denying me cause of how late i apply for it and the fact i was still walking was more then enough reason for them to say i'm good. Wasn't having it so i came here cause i didn't know where to look and let me tell you John Paul LaBouff is the go to man/bro/boss whatever guy you need cause he'll make sure the insurance company get a run for there money literally. (Update 9/12 : WE WON I CANT BELIEVE WE WON! after many months that has pass from me being AWOL a bit and him in the background doing as much as he can to do everything he can to not only get me an settlement but to make sure I was ok and honestly the best lawyers to go to for anything not just cause of issue but really would not bat a eye to help as much as possible and I can’t express how much I’m grateful for him and his team to make all this happen. Don’t hesitate to reach out cause it’s one call that they will definitely change your life fr!🔥read more
Tameka Wilburn
Tameka Wilburn
11:47 05 Jan 22
I used their services recently for a workers compensation case. This was the best experience ever. My attorney, John... Paul always returned my calls asap. His team, Ivette, Anna and Daniel were so professional and kind. Please use them they will always help you and even when you're upset they are complete professionals. They also got me way more money than I expected. Thanks so very much guys! God bless you all and your families!read more
antonio patton
antonio patton
04:43 04 Nov 21
Everything about this business is very true. They made sure that I was taken care of and they communicated with me... throughout the whole process. I'm very thankful to have used them as my representatives. They went out and beyond. Thank you.read more
Ashley Williams
Ashley Williams
00:45 26 Jul 21
To be fully honest,  no amount of words can ever express how amazing my lawyer John Paul Labouff has been, as well as ... the best paralegal there is, Ivette Sanchez. They're a unstoppable team who genuinely worked hard on my case, as well as thorough. John Paul even brought in another attorney to advise him on my unique situation.  I will forever be grateful to them, and everyone at GA injury advocates. They worked quickly but carefully and made sure I got every ounce of what i deserved and more.  From a business stance they are air tight.  On a character level, I feel as though they are the type of friends you'd want in your life forever.   Even after my case was settled and their job was done. They were immediately there for me when I had an issue with my bank that I didn't know how to handle. They both were happy to help me sort through the issue, and encouraged me to reach out any time i needed them.I feel choosing anyone else to represent you, would be a mistake.John Paul & IvetteI personally want to say thank you so much again.  You truly changed my life to the betterread more
A Evans
A Evans
15:27 14 Jun 21
I had a wonderful experience with these guys. Made the process super simple for me. Referred me to a terrific... chiropractor after my accident. Worked hard on my case, especially Ivette, she's great.....explained everything to me step by step in great detail. The lawyers are not only very competent but empathetic and personable. I definitely recommend working with this firm.read more
karla avalos
karla avalos
03:46 29 Apr 21
The staff is very friendly and professional. Mrs. Rodriguez makes you feel like a friend. I will definitely recommend... him to family and friends.read more
David Ramirez
David Ramirez
18:37 06 Nov 20
Best car injury attorneys kn atlanta. Got the best deal for case and it was settle quickly. I would highly recomend... them. They do an excellent job. Thanks John and Ivette!!!!read more
Rafael Nieves
Rafael Nieves
00:57 21 Feb 20
GA injury advocates are a very professional Group they go the extra mile to make sure you're Happy. The staff it's very... professional as well Ivette Sanchez is a very special employees I'll use them anytime anywhere.read more
SANI MAMMAN
SANI MAMMAN
14:47 02 Feb 20
Thanks for the job well done. I really appreciate the your service. Best place to go for your accident settlement.... Thanks.read more
Beavers Family
Beavers Family
18:52 20 Sep 19
A big thank you to Rodriguez and Associates for getting me the maximum settlement for my Personal Injury claim. I was... involved in a terrible car wreck on April 1, 2019 and received my settlement on September 18, 2019! Mr. Rodriguez and his wonderful office staff were very helpful during the process and did a great job keeping me informed of the developments during my case. Mr. Rodriguez effectively negotiated the settlement with three different insurance companies in just a matter of months. I couldn’t be happier with the outcome considering the terrible circumstances. I highly recommend GA Injury Advocates. Thanks again so very much!read more
Andy Sanchez
Andy Sanchez
13:55 08 Sep 19
I got information every set of the way, Ivette is great.
Johnny Sanchez
Johnny Sanchez
13:50 08 Sep 19
Ivette does great work, always maintained me updated
Ary Reyes
Ary Reyes
14:01 31 Aug 19
Ivette sanchez stood with me until the end of the process.Kept me updated and informed me until the process was done.... 100% recommended!!read more
Kimberly .mlove
Kimberly .mlove
19:28 28 Aug 19
Ivette Sanchez is amazing!
G H
G H
13:40 04 Apr 19
Ivette is Great!!She’s very attentive and makes sure all your needs are reached. They do everything in a timely manner,... and make sure to keep you updated at all times.You are always able to reach a live person on the phone. Great staff! Highly recommended :)read more
Jose Chaires
Jose Chaires
22:10 18 Feb 19
Mr.Erkic did an amazing job with the way he handle the case.I am happy with the results that came out.He did a... fantastic jobread more
Marilly Alvarado
Marilly Alvarado
18:03 27 Nov 18
They were super amazing ! Erick Lara kept me updated on everything! Every detail i needed to know I was aware of it ! I... recommend this attorney to anyone that gets into an accident !read more
Cesar Montoya
Cesar Montoya
15:05 16 Oct 18
As a customer for years, if you like personalized and exceptional service, this firm is the one to hire. Not only do... they follow up until cases are completed, everyone in the office is a friend. You will not be disappointed.read more
Ray Aguiar
Ray Aguiar
00:54 04 Oct 18
I get requested very often to rate individuals, products and companies. I never really fulfill these requests because I... don't have time, I am not interested, or I don't have a strong reason why! Today I have a good reason and his name is Erick Lara Paiz. Erick the legal assistant with Rodriguez & Associates, a law firm that represented me in a car accident injury. Erick is a very respectful and well spoken person. He is extremely knowledgeable and always more than willing to help. Erik is great with keeping me informed with what is going on with the case. I love the fact that anytime I call with questions on inquires Erick will almost ALWAYS answer. In the event that he doesn't pick up and I leave a message, he calls me back so QUICKLY. Anybody who is looking to hire a law firm to represent them. Please give Rodriguez & Associate a call and ask for Erik Lara Paiz!read more
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