At Durham Bray Law Firm, we handle hundreds of personal injury cases involving automobile and trucking accidents. One of the things that we evaluate for our clients is their auto insurance. Your auto coverage can make or break what sort of compensation you receive in a personal injury automobile case. Therefore, it is important to know what you should have to ensure you are protected.
#1. Liability Coverage. Liability insurance covers medical or repair costs for other people if you cause an accident. Almost every state requires you to have liability coverage.
#2. Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage. Uninsured motorist coverage (or UM) covers medical expenses (for you and those in the vehicle) that may result from a drive who is uninsured. It is not a mandate in Georgia, but it’s an affordable add-on to ensure you are protected. Underinsured motorists insurance (also known a UIM) covers you when you are in an accident caused by a driver who has insufficient coverage.
#3. Medical Payments Coverage (also known as MedPay). MedPay coverage pays reasonable medical expenses for you, your passengers, or any of your family members that may be involved in a crash. While your health insurance may cover some of your injury costs, MedPay is a nice additional financial benefit for your injuries. Speak to your insurance agent as to the costs for MedPay and how this may help you.
#4. Rental Reimbursement. In the event your accident requires time in the shop, rental coverage can help. This will cover the cost of the rental car while your vehicle is being repaired. Rental reimbursement ranges up to a specific dollar for a specific number of days. Again, check with your individual insurance company as to the cost.
If you or someone you know has been injured in a car accident, give our office a call. Experience the Durham Bray Way: 706-738-7111.