Fitzgerald, GA Personal Injury Law Firms & Lawyers

I am not aware of any state that has limits as low as 15K. However, if 15K is all of the liability insurance available then you will need to look to your own insurance (it's known as UM coverage). In addition, if you have medpay benefits under your policy of insurance you can use that to satisfy the medical expenses as well. After all of the automobile insurance benefits are exhausted, you can certainly use your own health insurance to pay for any medical expenses. If you have any other questions, feel free to call me to discuss in more detail.

In Georgia, you are entitled to full recovery of your medical expenses from the at-fault driver (through their insurer). This principal applies no matter how much has been previously paid by other sources. So, seek the full medical charges. But expect resistance, as the at fault insurer may not acknowledge this law, & try to pay someone who has no legal representation only their out-of-pocket expenses (co-pays). Remember, the insurance companies do not feel they have to live by the letter of the law, when someone who makes a claim has no legal representation or training.... The insurer is very aware that there is no one around to enforce the Claimant's legal rights. If you have further questions, feel free to call for a phone consultation at no charge.