February 20, 2026 | The King Firm Car Accident and Personal Injury Lawyers | Car Accident
Understanding car insurance coverage limits is part of being a responsible driver in Georgia. Coverage limits determine the maximum amount your insurance company will pay if you cause an auto accident.
While Georgia law requires drivers to carry a minimum amount of auto insurance, many people do not fully understand what those limits mean—or whether they are enough to provide meaningful protection after a serious crash.
Knowing how coverage limits work can help you make informed decisions about your policy and avoid unexpected financial exposure after an accident.
What Are Insurance Coverage Limits?
Insurance coverage limits are the financial caps built into your auto insurance policy. These limits define the highest amount your insurance company will pay for injuries or property damage resulting from a covered accident.
Coverage limits are typically broken down into:
- Per-person limits, which cap how much is available for each injured individual
- Per-accident limits, which cap the total amount available for all injured parties combined
- Property damage limits, which apply to damage caused to vehicles or other property
These limits apply regardless of how severe the accident is. Once they are reached, the insurance company is no longer responsible for paying additional damages.
Georgia’s Minimum Auto Insurance Requirements
Georgia law requires all registered vehicles to carry minimum liability insurance coverage, commonly known as 25/50/25 coverage.
The required minimum limits include:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury to all people combined
- $25,000 per accident for property damage
Liability insurance pays for damages you cause to others; it does not cover your own injuries or damage to your vehicle. While these minimums satisfy legal requirements, they may not be sufficient in accidents involving serious injuries or multiple victims.
How Coverage Limits Work After a Car Accident
After a car accident, the at-fault driver’s insurance company evaluates claims and pays damages up to the policy’s coverage limits. If total damages remain within those limits, the insurer covers the losses according to the policy terms.
Coverage limits become especially important when multiple people are injured. For example:
- Each injured person may receive up to $25,000 under the per-person limit
- The insurer will not pay more than $50,000 total under the per-accident limit
If three people are injured and total damages equal $100,000, only $50,000 is available to be divided among all injured parties. This often means that no one receives the full amount of their losses.
What Happens if Damages Exceed Policy Limits?
When damages exceed the available insurance coverage, the insurance company stops paying once the policy limits are reached. Any remaining losses may become the personal responsibility of the at-fault driver.
In these situations, injured parties may need to:
- File a claim under their own uninsured or underinsured motorist coverage
- Pursue compensation directly from the at-fault driver
- Pay remaining medical bills or other expenses out of pocket
Carrying only minimum coverage can expose drivers to significant financial risk if an accident results in severe injuries.
How Coverage Limits Affect Settlement Amounts
Insurance coverage limits often determine the maximum amount available in a car accident settlement. Even when injuries are serious, an insurance company cannot pay more than the policy allows.
Settlement negotiations are frequently influenced by:
- The amount of available insurance coverage
- The number of injured parties
- Whether additional policies or coverage apply
When coverage limits are low, compensation may be limited regardless of the true value of the injuries.
Additional Insurance Coverage To Consider
While Georgia law only requires liability insurance, many drivers choose to carry additional coverage to better protect themselves after an accident. Optional coverages can help pay expenses that liability insurance does not cover and reduce out-of-pocket costs.
Common additional insurance coverages include:
- Uninsured/Underinsured Motorist Coverage, which can help cover injuries and damages if the at-fault driver has little or no insurance
- Medical Payments Coverage (MedPay), which can help pay medical expenses regardless of fault
- Collision Coverage, which helps pay for damage to your vehicle after a crash
- Comprehensive Coverage, which covers non-collision losses such as theft, vandalism, or weather-related damage
Adding these coverages can provide valuable financial protection in serious or unexpected situations.
Contact The King Firm Car Accident and Personal Injury Lawyers To Schedule a Free Consultation With a Tifton Car Accident Attorney
Insurance coverage limits can play a major role in determining how much compensation is available after a car accident. If you were injured in a crash or have questions about insurance coverage and your legal options, speaking with an attorney can help clarify your next steps.
For more information, please contact The King Firm Car Accident and Personal Injury Lawyers at your nearest location to schedule a free case evaluation today.
We have three convenient locations throughout Georgia:
The King Firm Car Accident and Personal Injury Lawyers – Tifton Office
1603 US Hwy 41, Tifton, GA 31794
(229) 386-1376
The King Firm Car Accident and Personal Injury Lawyers – Griffin Office
3317 Fayetteville Rd, Griffin, GA 30223
(404) 567-4546
The King Firm Car Accident and Personal Injury Lawyers – Macon Office
886 Mulberry St, Macon, GA 31201
(478) 292-7272
Or if you would prefer to reach out to us online, please visit our contact us page.
