Auto Insurance Policy in Georgia – What Does it Cover?
Reader’s Question:
I was driving from a party one night and must have dozed off. The next thing I knew, I had run over a dog. Fortunately, there was no roadkill because the dog survived the operations and is now recuperating in a hospital. However, the medical bills I have yet to pay the animal hospital in Atlanta, Georgia are skyrocketing by the day. Can my car insurance policy help me in any way? I have a comprehensive coverage.
Jillian
Atlanta, GA
Hi Jillian. What a very noble thing to do to get out of your car, check the animal you ran into, and bring it to a hospital. When other motorists would have just left the poor thing for dead or assumed it was already roadkill, you took time to care. I would like to help you find solutions to your problem. There is already this thing called a pet injury coverage. It’s like a supplementary car insurance policy for those people who have pets and like to carry them around always. So, in cases of an accident, the insurance pays for the hospitalization of your pet. Some auto insurance companies will pay up to $500, I think. Now, since the dog you hit was not your pet, Property damage liability type of insurance will cover those pets that are not yours but are victims of a collision that involves the planholder. Pets are classified as property, in insurance lingo.
Ask the assistance of your insurance provider just to be sure. Check also if they have that kind of insurance in Atlanta, Georgia, because here in North Carolina we still don’t have that. You’ll soon overcome these obstacles. May God bless your kind soul.
Do I Need Medical Coverage if I Already Have Bodily Injury Liability in Georgia?
Reader’s Question:
I have a bodily injury liability on my car insurance policy, do I still need to get medical coverage in Macon GA?
Denver
Macon GA
Medical Payments coverage covers medical bills to you and your occupants injured in an accident. There may also be coverage if as a pedestrian a car injures you.
It does not matter who is at fault with medical payment coverage. Medical payments may also cover policyholders and their family members when they are injured while in someone else’s vehicle or when they are hit by a vehicle while on foot. Coverage of course is limited to the terms and exclusions specified in your car insurance policy.
You may check your health insurance policy in Georgia to know the specifics since some health insurance exclude coverage for injuries due to vehicular accident.
On the other hand Bodily injury is not coverage for you if you are injured in an accident. Bodily injury liability covers those that you may cause injuries to when you are at fault in an accident. Bodily injury is mandatory in most states.
How Can I Get Cheap SR22 Insurance Coverage?
Q: I’m actually not a bad driver, but I have to file SR22 insurance because some guy ran into me when I was uninsured and the police caught it. I can’t afford these high rates. How do I get cheap SR22 insurance?
A: Since you have a good driving record, you are able to more easily take the risk that millions of people take every year because it is less likely to affect you. That is to raise the deductible on all of your non liability coverages.
Many people opt for the lowest deductible when buying car insurance because they feel that they don’t want to have to depend on coming up with a couple thousand dollars in order to pay their medical bills when they get into a bad accident. This is a valid concern, but if you raise your deductible to at least $1000 on your comprehensive and then on your collision coverage, then you can save around a hundred dollars a month in many cases and that money can be set aside for emergencies like car accidents.
What Kind Of SR22 Auto Insurance is Required In Georgia?
Q: What kind of SR22 auto insurance am I required to carry in Georgia?
A: In Georgia, the most SR22 auto insurance you are required to carry is the state minimum liability. Liability will take care of the medical bills of the injured driver and passengers of another car if you cause an accident, as well as any damage done to that car or any other property. The minimum limits are as follows:
- $25,000 bodily injury liability for a single person
- $50,000 bodily injury total in an accident
- $25,000 property damage liability
Although this is all the SR22 auto insurance that the law requires, you may have other conditions which require you to have more. If you are financing or leasing a car, you will probably have to purchase comprehensive, collision, and even gap insurance. Other possibilities include special features such as roadside assistance and uninsured motorist coverage, although these are never required in Georgia.
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