Drivers in Georgia often opt for the cheapest car insurance available. That’s understandable in a state where premiums are high. Having a cheap policy may be fine when making a claim over a fender bender. However, the bare minimum may not be enough in a car accident with serious injuries. There are sound reasons for getting more car insurance.

Georgia has some of the highest car insurance rates in the country. This may encourage people to reduce their coverage. It is mandatory to take out car insurance in Georgia.

Reasons to buy more car insurance

Why you should buy more car insurance

Here are six reasons why you should consider buying more car insurance in Georgia.

1 More Insurance Will Protect You From Drivers Who Have Minimal Coverage

Georgia has fairly low minimum insurance thresholds. Georgia car insurance requirements are set at 25/50/25, which means that you will need:

  • a minimum of $25,000 of bodily injury liability for a single person in one accident;
  • a minimum of $50,000 bodily injury liability for all people injured in one accident; and
  • a minimum of $25,000 property damage liability for one accident.

If you were seriously injured by a driver, $25,000 will not cover many medical bills. If you take out more insurance, your insurance company can supplement a claim after a car accident with injuries.

2 Additional insurance will protect you if you are sued

Additional auto insurance may give you and your family more peace of mind if you are found to be liable in a car crash. No car insurance policy can completely eliminate the possibility of a driver being sued personally for damages that exceed your level of auto insurance coverage.

3 You Could Be Covered if You Are Injured by a Hit-and-Run Driver

By purchasing uninsured/underinsured motorist (UM/UIM) coverage, you may be able to pursue a claim with your own insurance company. This becomes relevant if you are hit by an uninsured driver or a driver who leaves an accident scene. Although hit-and-run drivers are often tracked down and arrested, this is not always the case.

4 You Can Receive Reimbursement for Medical Bills

If you have accident-related medical bills, you could be reimbursed under medical benefits coverage. Medical payments coverage is also known as MedPay or medical expense coverage.

The coverage helps pay the medical costs after you or one of your passengers in your vehicle is hurt in a car wreck. Medical payments coverage is not impacted by who is found to be at blame for an accident.

An important aspect of MedPay is that it follows the policyholder. Your medical payments coverage is active when you are riding in another car, a taxi, or even just walking down the street. It remains active when you are outside the state you’re insured in.

In Virginia, all drivers should obtain some level of insurance coverage to pay for their medical bills should it become necessary. As well as obtaining basic medical coverage, you can also get coverage for lost income related to your accident. Opt for MedPay when taking out insurance coverage.

Many drivers and passengers in Georgia give little thought to their insurance options until it’s too late. The flaws in their policies become suddenly apparent after a car wreck with injuries.

At the Law Office of Michael West, we can help you pick up the pieces after a car crash. Call us today at (404) 913-1529.