Imagine you are driving down a busy street. A car enters an intersection while you have a green light, and despite your best defensive driving skills, the car crashes into your passenger door. Debris flies into the air and your body is violently tossed about the vehicle. Once stopped, you observe your injuries, and you manage to exit to survey the damage to your vehicle.

You are dazed and distraught. You are probably not thinking about your automobile insurance coverage or the other driver?s automobile insurance coverage. However, in times like these, having the appropriate automobile insurance coverage will determine your personal liability and your ability to recover against the at-fault driver under the law.

An automobile insurance liability policy issued by your insurance company will cover the payment of damages due to bodily injury, including death, when property is damaged from the use, ownership, or maintenance of any covered automobile. Your insurance company will pay for any covered damage that you caused as the at-fault driver. In order to limit the amount you might be liable to pay to the other driver, or for your own medical bills and other expenses after an automobile collision, it is important to understand insurance policy limits.

Under Georgia law, the state requires that all motorists maintain minimum liability coverage of not less than ?$25,000 per person because of bodily injury to or death of one person in any one accident, and, subject to such limit for one person, $50,000.00 because of bodily injury to or death of two or more persons in any one accident, and $25,000.00 because of injury to or destruction of property.? O.C.G.A. ?33-7-11. Commonly, an insurer will list minimum policy limits as $25,000/$50,000/$25,000.

It is important to note that the minimum limits required by law provide less coverage than most people need to adequately protect themselves. Also, the purchase of Uninsured Motorists Coverage is important to protect you and your family in the event of a serious automobile collision when the defendant is not insured or does not have adequate limits to cover your damages. In fact, it is estimated that between 10 and 25 percent of drivers in the United States do not have automobile insurance. Please see our website for more information on insurance coverage.

If you are involved in an automobile accident or you have questions about your insurance coverage, then please call our firm, Deming, Parker, Hoffman, Campbell, and Daly at 770-564-2600. You can also get more information about appropriate coverage by visiting our website at We would be happy to assist you with these legal issues or any others that you may have.

Success Stories

In 2016, Attorney Frank Parker successfully resolved a case stemming from a motor vehicle crash that involved a death. After the case proceeded to mediation, Mr. Parker was able to negotiate a settlement in excess of $5,000,000.

Recently, a someone contacted our office for assistance with a subrogation claim that had been filed against him following a fire at a friend?s home. The friend?s insurance carrier paid the claim, and then initiated a third party subrogation claim against our member, alleging his negligence was responsible for the damage. An attorney in our office reviewed the claim, the insurance policy, and other related documents. The attorney subsequently negotiated a settlement that saved the member over $36,000, and released him from any further liability.

Finally, another individual contacted our office for assistance in getting the carpet she purchased from a well-known home improvement store replaced. There was a lifetime warranty on the carpet, but the carpet fibers were not holding up under only normal wear and tear. A store employee inspected the carpet and denied warranty coverage without providing a basis for the denial. An attorney in our office wrote a letter to the carpet manufacturer demanding that the manufacturer replace the carpet. The manufacturer agreed to replace the carpet under warranty which saved the member over $2,500 in replacement costs.

We wish you and your families a healthy, safe and prosperous 2017!