Bodily injury liability coverage in Georgia pays for the medical bills and lost wages of another party injured in a vehicle accident you caused. Car insurance policies are required by law in most jurisdictions to provide bodily injury liability coverage.
Almost every state has a minimum bodily injury coverage requirement, such as $25,000 per person. However, consumers can, and should, go above the bare minimum required by Georgia law.

If you cause harm to another motorist as a result of your negligence, bodily injury liability insurance takes in. Medical bills, missed pay from work, and even burial expenses may be included.
Bodily injury does not cover the price of any medical treatment you may need as a result of your injuries. Because it only covers damage to other drivers and passengers (you are the "first party"). It is referred to as "third-party" insurance.

For example, "25/50" refers to the amount of bodily injury coverage you have. These two numbers represent physical injury coverage limitations.
The first reflects the amount of coverage for one individual involved in the accident, and the second shows the total amount of coverage for the whole incident. This indicates that the insurance coverage will only pay out up to $25,000 per person wounded in an accident and a maximum of $50,000 in claims for a single accident, as an example of a 25/50 limit.
To further understand the concept of bodily harm culpability, let's look at two real-world scenarios.
1. Two persons in the other car were hurt as a result of an accident in which you were found to be at fault. There were $30,000 in medical expenditures for Person A, and $10,000 in medical expenses for Person B. Your insurance coverage will only pay $25,000 to Person A, and $10,000 to Person B, despite the fact that the aggregate medical expenditures are under the $50,000 maximum per accident. As a result, you are responsible for the $5,000 of the unpaid claim since Person A's costs were over the per-person limit.
2. Two persons were hurt in an accident that was your responsibility. Both people claimed a total of $25,000 in medical expenses. The insurance coverage will pay these costs since both individual claims are less than $25,000 and the aggregate claim is less than or equal to $50,000.
Consumers may also choose to acquire a combined single limit (CSL) coverage. When compared to the split limit, the CSL has a single restriction that is unaffected by the number of wounded individuals and applies to the whole accident. CSL limits are more costly because of their pliability, and not all automobile insurance companies provide them.

Valentine's Day is right around the corner. Have you already gotten that special someone the perfect gift that shows how much you love them? Or are you like me who knows when every single holiday is coming, yet still manages to wait until the day before to try and find the right gift? Personally, gift shopping is my Achilles heel. I am a terrible gift buyer and I don't try to deny it. My wife has come to terms with this over the years, and thankfully she still loves me anyways!

Here's a riddle to see if you can figure it out:

It's something you don't ever think about until you need it the most.

But seeing as you are on my website and reading this blog, there's a pretty good chance you already know what it is......

Pretty obvious, I know. But really ask yourself, when was the last time you truly looked at your insurance policies? Do you even know what you have (or is it still up to date)??

Before I got into the insurance industry I only knew 3 things about my policies:

1. How much my monthly payment was
2. When my monthly payment was due
3. How much my deductibles were if I had to file a claim

I kid you not, I didn't know ANYTHING about the policies or what any of the different coverages even meant. The thing about it is, YOU aren't supposed to know all of that. Your AGENT, the one who went through the licensing process with the State and has to do continuing education to keep their license, does. The biggest issue right now in the insurance industry is agents not really doing the full job for their clients and just trying to sell them the cheapest possible thing to hit a quota. Also, with the rise in technology, more and more people are now purchasing their insurance 100% online without having a clue of what they are getting (This is frightening)! Without knowing it, one bad day could end up causing you to be in financial ruin, which many times could be avoided by something as little as $10 per month.

Farmers Insurance was recently awarded the Gold Medal for a second year in a row by Kiplinger's for best Customer Service in the Auto and Home Insurance category (https://bit.ly/3neNuOy). And the reason this is important is because not all insurance companies, or agents, are created equal! You deserve to know what you are getting with your insurance policies, because the worst possible time to find out something isn't covered is AFTER you file a claim.

Here at Farmers not only do we have some of the best coverages to protect your family, but we pride ourselves in making sure you have the RIGHT coverage for your specific needs. My biggest worry as an insurance agent is that someone will file a claim only to have it denied or not fully covered. In that case, you have every right to question your agent as to why they never mentioned the different coverages or options with you as they should have.

The question that would keep me up at night is "Why didn't you ever mention that to me?" And because of that we look at every option available for you AND make sure to cover those different options so you understand what you do (and don't) have on your policies. We dive deep at the Stephen Turner Agency to ensure that question can never be asked of us and to make sure you understand and are confident with the insurance you have with us. Because no one, the agent included, likes surprises in insurance!​

earlier this year in March. So what does this mean for YOU, the average consumer?? Now that Farmers has acquired MetLife's property and casualty (Auto, Home, and Umbrella) business, that means we have even more options available to ensure you get the right insurance for your family at the best price!

We have been talking about this all year, but it is an important change that you as a homeowner need to know. Due to the increased costs for nearly everything in our country right now, we are seeing changes to insurance policies as well as our other essentials in our lives.

One of the main factors on your homeowners insurance policy is the Dwelling Coverage (Coverage A). Also known as the Reconstruction Cost, it is what the insurance company will pay out in the event of a total loss of your home to get it completely rebuilt. It also covers if the home is damaged to get everything fixed, but the main consideration is when a total loss occurs.

Due to increased material and labor rates, I have personally seen the Dwelling coverage increase by nearly $100,000 on a policy for a higher value home which caused a 30% increase on the policy at renewal.