Making Your Insurance Work For You

The insurance industry is complex. Even if you have a grasp on the coverage you need in Georgia, you may not understand how to put that coverage to work when you need it most.

At Brown Barnwell, we make it our business to understand insurance, to keep up with changes in the laws and to recognize when an insurer is undervaluing or wrongly denying a claim. Our attorney has successfully assisted accident victims in Atlanta and across the state, and we are ready to put our knowledge and skill to work for you.

How Much Coverage Do I Need?

If authorities determine you are at fault for an accident, you will be responsible for the damages the other driver and passengers suffer. This is where your car insurance policy comes in. In Georgia, you must carry the following minimum liability coverage:

  • Bodily injury per person: $25,000 minimum
  • Total bodily injury for everyone who is injured: $50,000 minimum
  • Property damage: $25,000 minimum

When the other driver is at fault, you can only hope he or she has the appropriate amount of insurance to cover your injuries and damages. About 10 percent of Georgia drivers are uninsured. Additionally, the other driver's minimum liability coverage may not be enough to cover your medical expenses if you suffer critical or catastrophic injuries or if you have passengers in your vehicle who also require medical attention.

Additional Coverage

You have the option of carrying additional coverage, such as an uninsured/underinsured motorist policy, which can fill in critical gaps in your minimum coverage, such as:

  • When the at-fault driver has no insurance
  • When the at-fault driver's insurance is insufficient to cover your expenses
  • If you are injured as a pedestrian or on your bike
  • In a hit-and-run accident

Having this coverage can provide peace of mind, but you may still have a struggle with the insurance company when it comes time to file a claim. An aggressive lawyer in your corner can make it a fair fight.

Request A Free Evaluation Of Your Case

At Brown Barnwell, we are proud of the success we have in assisting accident victims obtain fair treatment from the insurance company. Call us at 470-406-6384 to schedule your free consultation or use our confidential online form.