We are often asked, “who is responsible for paying for injuries after a car accident.” In nearly every instance, even though the other driver is responsible for the injury, the at-fault driver’s liability insurance provider will be the entity cutting the check for your compensation.
In Georgia, every driver is required by law to carry at least $25,000 in liability insurance coverage. Since this is the minimum, many, many drivers only carry this amount of coverage. That means, that often, the at-fault driver’s insurance company can cut a check in that amount to you, if your case warrants this amount of compensation.
There are times when your own insurance company pays for your bodily injuries. Your own insurance company may pay for our bodily injuries suffered in a car accident if (1) the at-fault driver is uninsured or underinsured, (2) you maintain underinsured or uninsured motorist coverage, and (3) your injuries require compensation beyond the at-fault driver’s policies.
So for example, if you’re hit by a driver who has minimum coverage of $25,000, you have underinsured motorist coverage of $25,000, and your medical bills total $50,000, then your own insurance company may cover the difference.
It’s important understand that under insured or underinsured motorist coverage, i.e., UM coverage, is not automatic in Georgia. You will want to contact your insurance provider and verify whether you have UM coverage.
If you or a loved one have been injured in a car accident, and you are unsure of who is responsible for paying for the injuries, then please, feel free to call and speak to one of our experienced Atlanta personal injury lawyers today. We can help you get the medical records at no up-front cost to you.