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Understanding Auto Accidents Find Out If You May Be Entitled to Compensation

Do You Have Enough Car Insurance?

Trying to figure out the terms of your insurance policy immediately following a crash is probably not the best timing. Before a car accident even occurs, you should know your limits, deductibles, and how much will be covered. Insurance companies have different policies with different levels of coverage for different monthly premium prices.

You most likely want an insurance policy that you can afford, but you also want to make sure that there is enough coverage to protect you in the event of a crash. In Georgia, the law requires that drivers have $25,000 minimum bodily injury liability coverage and $25,000 minimum property damage liability coverage.

However, getting the minimum coverage can be risky. What if there is not enough insurance to cover you?

Understanding Your Insurance Policy:

  • Liability Insurance - If you are responsible for a wreck, this insurance will pay for the property damage and bodily injury of others.
  • Collision Insurance - Your insurance will cover damage to your car after your deductible, regardless of who is at fault.
  • Comprehensive Insurance - Your insurance company will cover damage that occurs to your car due to theft, vandalism, fire, etc., but not damage from a car accident.
  • Medical Personal Injury Protection (PIP) Insurance - This type of insurance pays for the medical expenses of you and your passengers, no matter who is at fault for the accident. This type of insurance also covers you if you are hurt in a pedestrian accident.
  • Underinsured/Uninsured Coverage - This type of insurance pays for your bodily and property damages when you are injured in an accident with someone who is at fault but does not have enough insurance coverage or any coverage at all.

Remember, insurance only provides coverage up until the limits of your policy. Although you do not have to pay for any additional type of insurance other than what Georgia law requires, additional insurance may bring you peace of mind and financial security if you or one of your family members suffers serious bodily injury in a car accident. Contact a qualified attorney to help you with your claim.

Find out your rights in a free legal consultation with Kalka & Baer LLC.

What Our Clients Are Saying

  • “I am here to recommend Tony Kalka to anyone that desires a knowledgeable attorney that is efficient and thorough for a lawsuit victory.”

    Christrost

  • “Tony has made my life so much easier and got me the max available!”

    Jessica

  • “There are no words to express how grateful I am to you both.”

    M Morgan

  • “He will be forever in your memory as not only a good lawyer, but a member of your family.”

    Previous Client

  • “There will never be enough words that can describe the type of lawyer, professional, confidant, and friend that Tony Kalka and Renee Smith have been thru the entire ordeal of my case.”

    Meg B.

  • “I appreciate everything he has done for us and enjoy working as a "team" with him throughout this process.”

    Maleeia

  • “Tony and his team were compassionate and worked with us through the entire process.”

    Mike P.

  • “Kalka & Baer far exceeded my expectations...and they are just the nicest people you'd want to meet.”

    Barbara R.

  • “Mr Kalka and the other members of the firm throughout my dealings with them were always well informed, courteous, helpful beyond expectations.”

    Andrew

  • “They and all of their staff were great.”

    Frankie B.

  • “At all times you displayed professionalism, integrity and compassion.”

    C Icemp

  • “He always responded to my calls and e-mails expeditiously”

    Denise D.

  • “Because of him, I received a much-needed surgery due to my accident.”

    Robin

  • “Matthew Blake also assisted with my case he was very professional and he always answered all of my questions.”

    Latisha S.

  • “Bryan and Jackie helped to alleviate the anxiety and stress. Their patience, kindness and professionalism was prevalent always.”

    Keena C.

Work With a Recognized Legal Team

  • You Pay Nothing Unless We Win
  • Millions of Dollars in Settlements Recovered
  • Selected for Inclusion in Super Lawyers®
  • Included in U.S. News - Best Lawyers®
  • Perfect 10.0 Rating on Avvo
  • Nationally Recognized by Numerous Legal Organizations