Georgia Auto Insurance
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Georgia Auto Insurance Requirements and Minimums
Georgia, a bustling state with a variety of tourist attractions, has its share of crowded roadways. And like anywhere, more traffic usually coincides with more traffic accidents. To protect drivers, Georgia auto insurance law requires motorists to carry certain types of auto insurance. Other auto insurance is optional and is usually a good financial investment. What follows is a brief overview of Georgia mandated and optional auto insurance coverage.
Georgia requires valid auto liability insurance
If you cause an accident, the state of Georgia wants to make sure you can pay for any damage you do to other persons or property. That’s why the state requires all motorists to have valid auto liability insurance. Liability insurance consists of two types: Bodily Injury and Property Damage. The state’s minimum liability coverage limits are 25/50/25.
Georgia State Minimums
When these minimums are chosen, it means the insurer will cover bodily injury expenses up to $25,000 per person, and up to $50,000 towards the combined bodily injury expenses when two or more people, whether they’re pedestrians, the other vehicle’s passengers, or they’re riding in your car. The third number represents the maximum the insurer will pay towards property damage repair or replacement costs. Property damage includes damage to the victim’s vehicle and other property like signs, buildings, mailboxes, and more.
How do I find auto insurance in Georgia
You won’t have any trouble finding an auto insurer in Georgia. Television ads, internet searches and the handy Yellow Pages will all lead you to them. Although Georgia state law only requires that motorists have liability insurance, understand that this type of insurance doesn’t protect your car. For that, you will probably need to purchase optional Comprehensive and Collision coverage.
Collision Auto Insurance Coverage
Collision pays the cost to repair or replace your vehicle when it’s involved in a collision and you’re at fault. Comprehensive covers damage to your vehicle caused by reasons that are out of your control, and there are many including an explosion, vandalism, flood, earthquake and more. With both Collision and Comprehensive, you’ll have to pay your deductible before the insurance takes over.
Another type of optional coverage that protects you against at-fault uninsured, underinsured and hit-and-run drivers is called Uninsured/Underinsured Motorist insurance. These pay your bodily injury expenses depending on the circumstances, the other coverage you’ve selected, and your coverage limits.
Georgia Office of the Insurance and Safety Fire Commissioner
You can find more information about Georgia’s auto insurance laws by visiting the Office of the Insurance and Safety Fire Commissioner website at http://www.inscomm.state.ga.us/ or by calling the Office, located in Atlanta, at 404-656-2070.