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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

  • “Tony Kalka and his team are not only very good at what they do but they are decent honest people with good character and big hearts.”

    Jeff R.

  • “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.

  • “Tony and his team put together a case and helped me when no one else could I was able to get a recovery.”

    C Rabren

  • “I do not give compliments or reviews normally but when someone goes way beyond the call of duty... People need to know who you are and what you can do!”

    M. Kay W.

  • “Tony’s work ethic is incredible; he left no stone unturned.”

    Marie

  • “They have been nothing but professional, knowledgeable, and attentive.”

    David P.

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

    Robin

  • “He did what he had advised and everything turned out just right.”

    Sara

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

    Barbara R.

  • “I guarantee anyone that asks me for a good Attorney and even those that don't, I will refer to Bryan.”

    Yvette

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

    Jessica

  • “I have attorneys for life.”

    E Ripley

  • “They worked diligently to resolve my issue and addressed any concerns I had in a timely manner.”

    Erika

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

    Frankie B.

  • “Everything was dealt with in a timely manner and I was well informed throughout the entire process.”

    Jessica

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