Liability Insurance
Coverage for Car Wrecks
Craig Hardegree, Esq.
Liability coverage is the main
part of a policy. It is the only part required by law.
It covers medical expenses, lost wages, pain & suffering,
vehicle damage and any other damages that a jury might
require an at-fault party to pay, if a case goes that
far. However, in order to get anything from this part of
the policy, “liability” or fault must first be
established. If the accident was caused by the other
person, then their liability coverage should take care of
your damages. If the accident is your fault, your
liability coverage should cover the other person’s
damages.
Liability coverage is usually
sold with a breakdown on limits such as 25/50/25. This is
the minimum required by law. It means that you have
limits of $25,000 per person for bodily injuries with a
cap of $50,000 per accident (meaning only two people could
get the per-person limits) and $25,000 for property
damage.
Your own liability coverage "protects" you
in that it pays the other person when you cause an
accident (so you don't have to pay them out of your
pocket). It also pays for your lawyer in the event you
are sued by the other party. However, your own liability
coverage gives no protection to you in the form of medical
coverage for your own bills. This is sometimes confusing
because many policies use the term ‘medical coverage’ in
the liability section of the policy but in that context,
it is referring to coverage for the other person’s bills
if you caused the accident.
If you have been
involved in a car wreck, auto accident, truck collision, motor
vehicle crash or any other personal injury case and you live in
the cities of
Carrollton, Bremen, Bowdon, Villa Rica, Temple, Hiram, Dallas,
Douglasville or in Carroll County or Douglas County or in the
Counties of
Haralson, Paulding or Clayton, please
contact
our Douglasville Personal Injury Law Center for a free consultation
with a personal injury lawyer.
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