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How Much Liability Coverage Do I Need?

The answer to this question is different for each person and depends on the level of protection needed. You should consider the total value of your assets in determining how much liability coverage to purchase. In other words, if your assets are valued at $100,000, you should purchase at least that much in liability coverage to protect you in the event you cause an accident that injures one or more people whose injuries have a value of over $100,000. Liability coverage is typically written in a split form. For example, the minimum required coverage limits in Georgia are $25,000/$50,000/$25,000. This translates to $25,000 coverage for bodily injuries per individual claimant / $50,000 total coverage for bodily injuries to all claimants in a single accident / $25,000 coverage for damage to the claimant’s property. Please note none of these coverages provide you with any source of recovery – they are solely meant to provide a means of recovery for the person(s) NOT at fault. We recommend purchasing as much liability coverage as you can afford relative to your assets, but suggest that you at least carry liability coverage limits of $50,000/$100,000/$50,000. Click here for more information on auto insurance rules & requirements in Georgia.

Why Choose Jones & Swanson?

  • Over 75 Years of
    Legal & Trial
    Experience
  • Over $50 Million
    Recovered for
    Clients
  • Included in the
    Georgia Super
    Lawyers® Listing
  • AV Preeminent®
    Rating by
    Martindale-Hubbell®
  • Members of the
    Million Dollar
    Advocates Forum®
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