A motorcycle accident can leave you with a lot of questions, especially when it comes to insurance. If you’re dealing with injuries, bike damage, or missed work, understanding how insurance coverage works in Georgia helps you stay in control of the situation.
Understanding liability coverage in Georgia
Georgia follows an at-fault insurance system. That means the driver who caused the accident is responsible for the damages. If another driver caused the crash, their liability insurance should cover your medical bills, lost income, and motorcycle repairs. Georgia law requires all drivers to carry minimum liability insurance, but those limits may not be enough to cover serious injuries.
What if the at-fault driver has no insurance?
If the driver who caused your accident doesn’t have insurance, things get more complicated. Georgia does not require uninsured motorist (UM) coverage, but it’s an optional add-on worth considering. If you have UM coverage, your own policy can help pay for your injuries and damage when the other driver can’t. This coverage can also provide assistance if you’re involved in a hit-and-run accident.
Dealing with your own insurance company
You may need to use your own coverage even if someone else caused the crash. Collision coverage can help repair or replace your motorcycle regardless of who was at fault. Medical payments coverage (MedPay) can help with immediate healthcare costs after the accident. Both types of coverage are optional in Georgia, but can provide fast relief.
Why your policy limits matter
Your coverage only pays up to your policy’s limits. It’s important to know what your insurance includes before an accident happens. Higher limits and added options like UM and MedPay can make a big difference when bills start adding up. Review your policy regularly to avoid surprises.