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Do I need a lawyer for a car accident if I have full coverage?

Do I need a lawyer for a car accident if I have full coverage?

Many people mistakenly believe that they do not need a lawyer or that they do not need to worry about their car wreck because they have full coverage. Do not fall into this trap. “Full coverage” is not what most people believe it is. Calling a coverage “full coverage” suggests to people that no matter how severe the car accident is, they will not need to worry because they are fully covered. The wording is tricky, and in truth, a “full coverage” policy does not necessarily provide protection for injuries that you incur as a result of someone else's negligence.

What is "full coverage" under a car insurance policy?

A “full coverage” insurance policy provides coverage for you if you are involved in an accident, but it does not mean that there will be adequate coverage to pay for all of your injuries caused by a car accident. If a person causes an injury to you and they do not have enough liability insurance coverage, having full coverage does not mean that you will be fully compensated for all of your injuries.

Full coverage means you will have at least the minimum limits required by Georgia law, and Georgia law requires at least $25,000 in liability coverage for a non-commercial automobile policy. If you have been seriously injured in a car accident, you will be shocked at how quickly minimum liability policy limits can be exhausted. 

If you or someone that you care about has been injured in an automobile accident, contact Hong & Sessions Law, LLC today for a free consultation. 

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