WHAT IS LIABILITY INSURANCE COVERAGE
Liability insurance covers the injuries and the damage that another driver causes to someone else. The minimum amount of liability insurance that each driver must have in order to legally be allowed to drive depends on the state that the person lives in. In Georgia, the minimum amount of insurance is at least $25,000 per person in each accident and $50,000 total per accident.
This means that if you are hit by another driver, that driver should have at least $25,000 in insurance. So if driver A strikes driver B, and driver B has a passenger in his car, then under driver A’s insurance $25,000 is available to driver B, and $25,000 is available to driver B’s passenger. However, should and does are two different words. While Georgia requires that drivers carry insurance, not every driver does. And while that’s a criminal offense, the fact that the other driver should have had insurance does not help you very much. Some drivers ignore their responsibility and drive without insurance. In other cases, drivers do pay for the $25,000 insurance coverage but the damage they cause far exceeds the $25,000 minimum limit. When either of these situations happen, your own auto insurance can step in and help. A good car accident lawyer knows how to read insurance policies and stack them to maximize the coverage.