First Party Insurance Benefits

A wide range of first-party insurance benefits are provided by Georgia insurance companies. In most cases, there is an extra charge for these optional coverages. They may consist of:

-Uninsured or Underinsured Motorist Coverage: If the other driver does not have insurance or does not have enough liability insurance to fully cover the cost of your injuries and property damage, this insurance option enables you to obtain funds from your own insurance provider. (Note: It’s crucial to contact an uninsured motorist accident lawyer as soon as possible if you’ve been struck by an uninsured motorist.)

-Medical payments coverage (Med Pay): With this extra first-party insurance, you can ask your insurance provider to pay for medical expenses first. Your insurance provider accepts your bills and receipts in exchange for reimbursement up to the limits of your policy. One of the most popular optional first-party coverages in Georgia is this one. It enables you to receive immediate medical care even if you are unable to pay for it out of pocket and helps you avoid problems with hospital liens.

-Rental Car Coverage: This insurance will cover the cost of a rental car for you while your car is being fixed or while you look for a new car as the result of an accident.

-Emergency Roadside Assistance: The emergency services like towing, tire repair, and other assistance will be covered by this insurance option. However, it typically does not pay for urgent care-related medical costs.

-Loss of Earnings Coverage: This kind of insurance will cover the lost wages while you were recovering from the collision if you miss work due to a car accident.

-Death, Disability, and Dismemberment Coverage: This insurance specifically covers catastrophic accidents that result in your death or serious disability. Some of these benefits might be paid out directly to you, but if you die in a crash, your loved ones will receive them in your place.

-Collision Coverage: This insurance policy focuses on the property damage that an accident has caused to your car. After an accident, collision coverage pays for immediate auto repairs to get you back on the road more quickly.

Even with these first-party coverage options, it may still be difficult to obtain from your own insurance provider the benefits you paid for. Determining which coverage options should be used in your circumstance can be difficult as well.

Our legal team can assist you in navigating your policy to identify the types of coverage you need and how to involve the other driver in your claim, so they pay for your losses.

If you were injured in an accident that wasn’t your fault, contact our experienced personal injury attorneys for a free consultation. We will help determine the best course of action for your claim.