What is Bodily Injury Liability Coverage?
Georgia law requires drivers in the state to carry bodily injury liability coverage, which can help car accident victims recover monetary compensation for accident-related medical bills as well as lost wages and pain and suffering.
According to Georgia Law, the minimum limits of liability insurance required are:
- Bodily Injury Liability – $25,000 per person and $50,000 per incident.
- Property Damage Liability – $25,000 per incident.
A bodily injury liability policy will cover injury claims related to a car accident filed against an at-fault driver. In other words, if a driver causes a motor vehicle accident that injures another, that injured person can try to recover accident-related medical expenses from the at-fault driver’s bodily injury liability policy. Bodily injury liability policies are designed to protect motorists from being financially harmed as a result of incurred medical expenses caused by the negligent driving of another.
Bodily injury liability coverage is mandatory in Georgia. However, some statistics show that a lot of drivers only carry the mandatory minimum coverage, which often is not enough coverage for average motor vehicle medical expenses.
For protection in the event of a car accident with an uninsured or underinsured Georgia driver, many drivers purchase uninsured motorist coverage. This coverage helps protect harmed drivers who are injured by someone who does not have enough liability coverage to cover their full expenses. It will also help injured parties who are injured by someone who did not carry bodily injury coverage at all. You must expressly decline uninsured motorist coverage in Georgia and sign a waiver opting out in most circumstances when you purchase insurance coverage.
Victims who have been injured by another or have damages that are not covered by insurance can also look into the possibility of filing a lawsuit against the at-fault person who caused the injuries.
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Source: In article and https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists