Atlanta Auto Accident Attorney
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Atlanta  Auto Accident Insurance Coverage

If you are injured in an auto accident in Georgia, it is likely that your damages will be covered by the other driver's insurance policy. There are two broad categories of insurance coverage available – first-party coverage and third-party coverage. First-party coverage pays the medical bills and property damage of the person covered under the policy. Third-party coverage pays for injuries and property damage incurred by others in the event that the policyholder causes an auto accident. The at-fault driver may have several different types of automobile insurance coverage. The most common types of insurance coverage are liability coverage, uninsured and underinsured motorist coverage, medical payments (med-pay) coverage, and collision coverage.

  • Liability: If you drive a motor vehicle in Georgia, you must purchase a minimum amount of liability insurance to pay for damages in the event that you cause an automobile accident. The minimum coverage in Georgia is $25,000 for injury to one person, $50,000 for injury to two or more people, and $25,000 for property damage to other vehicles involved in the accident. The liability portion of an insurance policy is specifically for defending and settling any claims or paying any judgments rendered against the insured in an automobile negligence claim. If you are injured by another driver's negligence, we will make a claim under the bodily injury liability coverage of the negligent person's insurance policy.

  • Uninsured and Underinsured Motorists: Two other related types of voluntary coverages available are uninsured and underinsured motorist benefits. These types of coverage protect you against a negligent individual who does not have liability insurance coverage or has minimum coverage that is inadequate to fully compensate you for your injuries. If you are involved in an accident with an uninsured motorist, Mr. Bodner can file a claim for you under your own uninsured motorist coverage. Your own insurance carrier would then have to pay any judgment that may be rendered, up to the limits of the policy which you purchased.

  • Medical Payments (Med-Pay): Medical payments coverage is a form of health insurance coverage. This coverage is available to the insured driver and any passengers in the insured's vehicle for injuries sustained in the accident, regardless of the fault of the driver. It is important to note that the insurance policy of the negligent party does not pay med-pay benefits to an injured person in another vehicle. These benefits are limited to the driver or passengers in the insured vehicle, regardless of fault.

  • Collision: Collision coverage is a type of voluntary insurance policy you can purchase to provide for the repair or replacement of your own vehicle after an accident, regardless of whether or not you are at fault. An innocent victim of an accident may present a claim for the property damage under his or her own collision coverage or under the negligent individual's property damage liability insurance coverage. Your own collision coverage normally includes a deductible, whereas property damage liability insurance coverage does not. In an automobile accident case, after a claim has been paid under collision coverage, the insurance carrier who paid the claim may proceed against the property damage liability insurance carrier for the negligent individual to recover the amount paid out. This process is called subrogation, and does not affect your recovery.

When the Atlanta accident attorneys at Leigh R. Bodner, P.C. represent a client who is injured in an accident, one of the first things we do is investigate all possible insurance coverage that is applicable. An experienced auto accident attorney can discover all of the at-fault driver's insurance policies and determine which is the most appropriate policy to pay your Atlanta accident injury claim. Call Leigh R. Bodner, P.C. at 404-262-3343 today for a free consultation regarding your injury case.

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If you or someone you know has been injured in an accident, contact an experienced Atlanta car accident lawyer at (404) 262-3343 for a free consultation regarding your case. Mr. Bodner handles all types of auto accident cases in Alpharetta, Atlanta, Austelle, Chamblee, College Park, Conyers, Decatur, Doraville, Duluth, Dunwoody, East Point, Hapeville, Marietta, Milton, Norcross, Riverdale, Rockdale, Roswell, Sandy Springs, Stockbridge, and throughout Gwinett County, Dekalb County, Cobb County, Clayton County, and Fulton County. Our Atlanta car accident lawyers will not charge a fee unless you receive a favorable verdict or settlement in your case.