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Car insurance laws were enacted to
protect innocent victims of car crashes              DEDUCTIBLE
from serious financial loss. Most
States require registered car owners to         ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄
carry liability and sometimes a few
other coverages.   In Georgia minimum is
$25,000 bodily injury.                     A deductible is the amount that you
                                           agree to pay before the insurance
Your car insurance policy is simply a      company pays anything.    Bodily injury
contract. Under this contract you agree    liability and property damage liability
to pay insurance premiums and the          usually   do   not   have   deductibles.
insurance company agrees to cover you,     However, other options/coverages may
up to the selected policy limits,          have a deductible.
against loss of or damage to your car
caused by windstorm, theft, collision or   Different      options/coverages     are
other   insurable   hazards,  and   also   available.    Options/coverages are what
against liability for personal injuries    you choose to have the insurance company
or damages to property resulting from      cover.   For example, you may select to
car crashes.                               insure   your   car   against  theft  or
                                           collision, but not road service and
     ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄                  towing.
         POLICY LIMITS                     A review of your policy will show the
                                           options/coverages that you have selected
     ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄                  and the cost of each of these options.
                                           Add together the individual costs of
                                           your selected options and this will
Most car insurance policies have a         equal the total amount of your insurance
Policy Limit. A Policy Limit is the most   premium.
dollars the insurance the insurance
company will pay in one crash.        No        ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄
matter how many people are involved.
                                                I HAVE TOTAO COVERAGE

                                           This means nothing.    I hear it all of
the time. An insurance policy is like a    no matter how many people are in the car
pizza.   One Person may select a full      crash, is $50,000.
cheese, another may select a full meat
lovers.    Choose the options/coverages
that best protect your family.                    PROPERTY DAMAGE LIABILITY
      ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄                 Covers damage that you might do with
                                           your car to someone else’s car or
SOME AVAILABLE OPTIONS/COVERAGES           property.    Family members and others
                                           driving your car with permission are
      ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄                 also covered.    You choose the amount
                                           insurance company will have to pay in
                                           any one car crash to repair all of the
       BODILY INJURY LIABILITY             cars in the crash, except yours.

Covers any physical bodily injury that     Your   property damage insurance applies
you   may   cause   to   another  diver.   only   if the crash is determined to be
Passenger, or a pedestrian while you, or   your   fault.   If so, you would to use
an approved driver, is driving your car.   your   collision insurance to repair your
You and family members are usually         car.
insured while driving someone else’s
car, including a rental car.               If the crash is the fault of the other
                                           driver, His or her property liability
You choose two limits when selecting       insurance pays to have your car repaired
bodily injury liability insurance: the
most the insurance company will pay one
injured person; and the most insurance                     COLLISION
company will pay to everyone injured in
a specific car crash.                      Covers damage to you ear in the event of
                                           a crash with another car or object no
In Georgia you may carry a minimum of      matter who is at fault. If other driver
$25,000/$50,000.    This means: 1) the     is at fault your insurance will pay for
most money the insurance will pay to one   your vehicle first and then insurance
person for any bodily injury, no matter    will seek reimbursement from the other
how severe, is $25,000; the most amount    driver’s   insurance   company.     Your
insurance will have to pay for bodily      insurance will pay for all damages done
injuries in any one specific car crash,    to your car, minus your deductible.
no matter how severe the injuries, and     When your insurance company collects
from   the   other   driver’s insurance     same medical expense.    However, if you
company you will be reimbursed for the      do not have any hospitalization/health
amount of your deductible.                  insurance or if such insurance has a
                                            high deductible or a cap you may want to
If the damage to your car is significant    consider getting this option/coverage.
it is the insurance company’s option
whether to repair or replace your
vehicle.                                      UNINSURED/UNDERINSURED MOTORIST
Collision coverage protects   damage   to   Protects against loss in event of a car
your car in a crash.                        crash with someone who either has no
                                            insurance (an uninsured motorist), or
                                            who has less insurance coverage than you
           COMPREHENSIVE                    have (an underinsured motorist).

Covers damage or loss due to fire,          Your premium covers damages that another
theft, vandalism glass breakage, falling    driver might do to you.     If the other
objects, explosions, wind, water or any     driver   has    no   insurance   or   is
other damages that result from anything     underinsured you make a claim against
other than collision with another car or    your own insurance company under this
object.                                     option/coverage.

           MEDICAL PAYMENT                       ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄

Pays all reasonable medical bills and             MANDATORY NO-FAULT
expenses incurred as the result of a car          INSURANCE ABOLISHED
crash. Coverage is generally limited to
the   named   insured,   each   resident         ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄
relative, and each person in the car at
the time of the crash.
                                            Personal    Injury   Protection   (PIP)
If   you   have   hospitalization/health    insurance, commonly referred to as no-
insurance you may want to reconsider        fault insurance, is no longer mandatory
whether you need this option/coverage       in Georgia.
because  of   the   duplicated   medical
coverage you would have, especially         What did no-fault do?    If you were
since you cannot collect twice for the      injured in a car crash no fault would
pay up to $2,500.00    for medical bills             ABOUT THE AUTHOR
and up to $2,500.00    was available for
any lost wages from    being injured and    James Brantley is a licensed practicing
off from work.   Now   pip is no longer     attorney in the State of
mandatory.                                  Georgia.    He received his law degree
                                            from Rutgers University, where he was an
Why was PIP abolished?         While PIP    Associate Editor of the Rutgers Law
existed anyone who had health/medical       Journal. He is a former Law Librarian,
insurance   were  forced   to   duplicate   and he has a Masters Degree in Library
medical insurance coverage to the extent    Science, specializing in legal research.
their   health/medical   insurance   over
lapped with their PIP medical coverage.     Attorney James Brantley’s law practice
 One injured in a car crash had a choice    focuses on the following areas:
to use their PIP medical insurance or
their health/medical insurance to pay
for medical bills resulting from a car                   CAR CRASHES

Our Georgia State Legislature determined               PERSONAL INJURY
that most people have health/medical
insurance and mandatory PIP required                   WRONGFUL DEATHS
most people to pay for additional
duplicated medical coverage through PIP.             MEDICAL MALPRACTICE
 In an attempt to lower the cost of
insurance premiums, mandatory PIP was
                                            This    brochure    is   intended   for
                                            informational purposes only, and gives
      ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄                  no professional legal advice. Consult a
                                            competent attorney for all specific
Does your car insurance adequate protect    legal problems.
you?   Review your car insurance policy
today.    Call your insurance agent to
make any necessary changes.
               Attorney At Law


                            Suite 1880
                  230 Peachtree ST, NW
                     Atlanta, GA 30303
             Telephone:   404 577-3500
              Facsimile: 404 -577=0366


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