- Liability coverage
- The at-fault driver’s insurance that pays for others’ injuries.
- Uninsured motorist (UM)
- Your own coverage that steps in when the at-fault driver has no or too little insurance.
- MedPay
- Optional auto coverage that pays medical bills regardless of fault, up to a limit.
- Subrogation
- A health plan or insurer’s right to be repaid from your recovery for what it paid.
- Bad faith
- When an insurer unreasonably refuses to pay or settle. Georgia has statutes and case law on different kinds of bad faith.
- Time-limited demand
- A pre-suit settlement offer with a deadline; Georgia sets required terms for motor vehicle claims.
- Diminished value
- The drop in a vehicle’s market value after it has been in a wreck, even when repaired.
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