Atlanta Auto Accident Lawyer Kenneth S. Nugent Helps Georgia Residents Understand Auto Insurance

Georgia personal injury law firm Kenneth S. Nugent, PC helps residents of the state understand how auto insurance works there and how to ensure they are properly protected for a worry-free driving experience .

In Georgia, drivers must have 25/50/25 insurance. This is an abbreviated form of reference to $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage per accident. .

When it comes to determining who pays for personal injury and property damage, Georgia is a responsible state. This means that the cost of medical bills to treat injuries and the cost of repairs to repair property damage are borne by the party whose negligence caused the accident. In case there is no agreement on the fault of who caused the accident or if the parties cannot agree on the total monetary compensation due to the victim, they can bring the case in court where a judge will deliberate on the matter.

In addition to liability insurance, which covers the liability of the party at fault for causing the accident, Georgian drivers can also opt for, but are not legally required to have, personal injury protection insurance (PIP ). The PIP may include uninsured motorist bodily injury coverage up to $25,000 per person and up to $50,000 per accident and uninsured motorist property damage coverage up to $25,000 with a deductible of $250, $500 or $1,000.

Minimum dollar amounts of mandatory coverages are dictated by Georgia law, and a driver cannot use state roads if they do not meet these requirements. Bodily injury liability covers the cost of treatment due to injury or death from the accident, while property damage liability covers the cost of repairing damaged property. Car insurers also offer collision coverage, which covers the cost of repairing the vehicle regardless of who caused the accident, and comprehensive coverage, which covers the cost of repairing other factors such as damage caused by bad weather, vandalism and hitting an animal while driving, even theft of the vehicle.

When it comes to the dollar value one can expect to pay for car insurance, according to NerdWallet’s 2021 analysis, good drivers with good credit pay an average of around $1,600 a year in car insurance. . A good driver is defined as someone who has a relatively clean driving record and a good history of maintaining car insurance coverage. Rates also differ depending on the state one is in and the age of the car one is driving. Newer cars usually have more modern safety features which reduce the number of bodily injury claims the insurance company receives. This therefore leads to lower premiums for owners of newer cars. Some vehicles also have higher insurance premiums due to factors such as their high retail price, which leads to higher cost of parts when it comes to repairing them after an accident.

Kenneth S. Nugent, considered by many to be the best auto accident attorney Atlanta has to offer, shares his thoughts on the right amount of insurance coverage to opt for, saying, “The minimum requirements for Georgia car insurance is just that – minimums. With medical costs where they are today and the almost serious nature of the injuries you can sustain in a car accident, it is recommended that you increase your liability coverage and go for the maximum amount you can afford. to pay monthly. Paying just the bare minimum may seem tempting, but you’ll find yourself in trouble if you have to pay medical expenses that exceed the minimum coverage.

Georgia readers who have been involved in a motor vehicle accident and are seeking legal representation can contact the Atlanta office of Kenneth S. Nugent, PC at (404) 885-1983 or contact one of his other locations in Albany, Augusta, Athens, Columbus, Duluth, Macon, Savannah and Valdosta at (888) 579-1790.


For more information about Kenneth S. Nugent, PC, contact the company here:

Kenneth S. Nugent, PC
Tim Derrickson
[email protected]
Kenneth S. Nugent, PC
1355 Peachtree Street, NE
Office 1000
Atlanta GA 30309

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