No one ever expects to be involved in an auto accident, but the unfortunate reality is that they happen every day, often with devastating consequences. In Georgia, all drivers are required by law to carry minimum levels of automobile insurance coverage. However, at Cohen & Sinowski, P.C., we understand that the minimum requirements may not always be enough to fully protect you and your family in the event of a serious accident. Our experienced attorneys are here to guide you through the complexities of auto insurance coverage and ensure you have the protection you need for peace of mind on the roads of Marietta and beyond.

Why Adequate Coverage Matters

The Risks of Being Underinsured

Having inadequate auto insurance coverage can leave you vulnerable to significant financial burdens and legal consequences if you’re involved in an accident. Even a seemingly minor fender-bender can result in costly repairs, medical bills, and potential lawsuits if the other party suffers injuries or property damage. We’ve seen firsthand how insufficient coverage can devastate families and individuals, leaving them to shoulder the burden of expenses they simply cannot afford.

One of our clients, a resident of Marietta, learned this lesson the hard way. Despite having the minimum liability coverage required in Georgia, they were found liable for an accident that resulted in severe injuries to the other driver. The medical costs and legal fees quickly exceeded their coverage limits, leaving them personally responsible for the remaining balance – a financial setback that took years to overcome.

Peace of Mind with Proper Coverage

On the other hand, having adequate auto insurance coverage can provide invaluable protection and security. With appropriate liability, collision, and comprehensive coverage in place, you can rest assured that you and your loved ones will be shielded from the potentially catastrophic costs associated with an accident. At Cohen & Sinowski, P.C., we’ve helped countless clients in the Marietta area navigate the complexities of auto insurance claims, ensuring they receive the full compensation they deserve and avoiding the stress and uncertainty of being underinsured.

Understanding Your Coverage Options

Liability Coverage

Liability coverage is the most basic and legally required form of auto insurance in Georgia. It covers damages and injuries you may cause to others in an accident, up to the limits of your policy. While the state mandates minimum liability limits of $25,000 per person and $50,000 per accident for bodily injury, as well as $25,000 for property damage, these amounts may be woefully inadequate, especially in areas like East Cobb, where property values and medical costs are often higher. Our attorneys typically recommend carrying liability limits of at least $100,000 per person and $300,000 per accident to ensure you’re properly protected.

Collision and Comprehensive Coverage

In addition to liability coverage, it’s crucial to consider collision and comprehensive coverage as part of your auto insurance policy. Collision coverage protects your vehicle in the event of an accident, regardless of who is at fault, while comprehensive coverage safeguards against non-collision incidents, such as theft, vandalism, or damage from natural disasters like the severe storms that sometimes affect the Marietta area.

Determining the appropriate levels of collision and comprehensive coverage can be challenging, as it often depends on factors such as the value of your vehicle and your personal financial situation. Our experienced attorneys can review your specific circumstances and provide tailored recommendations to ensure you have the protection you need without overpaying for unnecessary coverage.

Working with Cohen & Sinowski, P.C.

Our Commitment to You

At Cohen & Sinowski, P.C., our commitment is to protect the interests of our clients and their families. Our team of dedicated attorneys has extensive experience in handling auto insurance claims and navigating the complex legal landscape surrounding these cases. We’ve successfully represented clients in Marietta and throughout Georgia in cases involving underinsured motorists, hit-and-run accidents, and disputes with insurance companies over coverage and compensation.

Get a Free Consultation

If you’re unsure about the adequacy of your current auto insurance coverage or have been involved in an accident and need assistance with a claim, we encourage you to schedule a free consultation with our team. During this initial meeting, we’ll review your existing policy, assess your specific needs, and provide personalized guidance to ensure you have the protection you deserve.

Don’t leave your family’s financial security to chance. Contact Cohen & Sinowski, P.C. today at [phone number] or visit our website at [website] to schedule your free consultation. Our experienced attorneys are here to provide the compassionate, trustworthy, and professional legal representation you need during this difficult time.

Conclusion

Adequate auto insurance coverage is essential for protecting yourself, your family, and your financial well-being in the event of an accident. While Georgia mandates minimum coverage levels, these requirements may not always be sufficient, particularly in areas like Marietta where the costs associated with accidents can be higher.

At Cohen & Sinowski, P.C., we understand the challenges and uncertainties that come with navigating the complexities of auto insurance coverage. Our team of empathetic and trustworthy attorneys is dedicated to providing clear, concise, and informative guidance, ensuring you have the protection you need for peace of mind on the roads.

Remember, you’re not alone in this process. We’re here to support you every step of the way, working tirelessly to safeguard your interests and secure the compensation you deserve. Contact us today and take the first step towards protecting yourself and your loved ones with adequate auto insurance coverage.