The most quoted and least meaningful phrase we hear about automobile insurance is, “I’ve got full coverage.” People who say that generally turn out to have insurance agents who failed to inform them of what they need, and their coverage is generally the minimum amount of insurance required by state law.
This post discusses the minimum liability coverages required by Georgia law, uninsured / underinsured motorist (UM) coverage, medical payments coverage, collision coverage, and the rudiments of bad faith penalties.

Ken Shigley represents plaintiffs in wrongful death and catastrophic injury cases statewide in Georgia, and in other states subject to the multijurisdictional practice and pro hac vice rules in each state. Ken Shigley was designated as a “Super Lawyer” in Atlanta Magazine and one of the “Legal Elite” in Georgia Trend Magazine. He is President-Elect of the State Bar of Georgia (2011-12), a Certified Civil Trial Advocate of the National Board of Trial Advocacy, Chair of the Southeastern Motor Carrier Liability Institute and former chair of the Georgia Insurance Law Institute. He particularly focuses on cases arising from truck wrecks and accidents (tractor trailers truck wrecks, semi truck wrecks,18 wheeler truck wrecks, big rig truck wrecks, log truck wrecks, dump truck wrecks). He and Sally have been married since 1983, and are the proud parnts of two young adults, Anne Shigley and Ken Shigley, Jr.