How much will my liability insurance pay if I have state-minimum coverage in Georgia?

I hit a car and totaled it, but it was only worth $3,000. However, the other driver has $45,000 in medical bills. Will my Georgia state-minimum liability insurance cover me?

Answer
“Georgia’s minimum liability insurance will only cover up to $25,000 for bodily injury per person and $25,000 for damage to property.
In this case, your insurance will take care of all the property damage and up to $25,000 for the other driver’s medical bills. The remaining $20,000 is up to you to cover, unfortunately.
In the future, don’t just buy the cheapest minimum-liability policy. Get coverage with higher limits to protect yourself and your finances.”
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Eric Schad
Answered on Apr 23, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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