As a driver in the state of Georgia, you are legally required to have certain types of auto insurance coverage. This is to ensure that you and your passengers are safe on the roads. As an at-fault state, fault is determined in Georgia auto accidents and the responsible party (plus their insurance company) are liable to pay for damages. In this blog post, we will provide an overview of the different types of coverage that are required in Georgia, as well as some minimums that you should consider. We will also discuss other important factors to keep in mind when shopping for auto insurance in Georgia.
the Required Types Of Coverage In Georgia
Georgia drivers are required to have minimum amounts of liability auto insurance.
Liability insurance is the most important type of coverage that you can have. It covers injuries or damages that you cause to other people or their property. The minimum amount of liability coverage that you must have in Georgia is $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability.
the Different Minimums To Consider
When shopping for auto insurance in Georgia, you should consider getting more liability coverage than the minimum required. This is because the minimums may not be enough to cover the damages that could occur if you are involved in an accident.
There are additional auto insurance coverages available to Georgia drivers, which may not be legally required but serve as extra protection for you and your loved ones in the event of a serious auto accident:
- Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance. With this type of UM/UIM auto insurance coverage buy up, you have the ability to pursue a claim against your own insurance company should the at-fault party be uninsured or underinsured.
- Medical payments coverage is another buy up that can be incredibly helpful. This serves as a way to help pay medical bills you or your passengers face following an auto accident. Medical payments coverage doesn’t depend on who was at fault for the accident. Read more about how to determine if medical payments coverage is right for you here.
- Collision/comprehensive coverage may or may not be necessary, depending on the value of your vehicle. It is intended to help pay for repair costs or replacement costs for your vehicle if you cause the damage or if the damage isn’t caused by an individual (for example, hail damage or hitting an animal while driving). Here’s how to determine whether collision and comprehensive auto insurance coverage is right for you.
other Factors To Keep In Mind
When shopping for auto insurance in Georgia, there are a few other factors to keep in mind. First, premiums will vary depending on your age, driving record, and the type of car that you drive. Second, you may be able to get a discount on your premiums if you have a good driving record or if you are a member of certain organizations. Finally, it is important to remember that auto insurance is mandatory in Georgia, so you will need to have coverage before you can legally drive.
When You Hire A Personal Injury Law Firm Like Jones & Swanson, Our Job Is To Represent You To The At-fault Party’s Insurance Company To Ensure You Receive Sufficient Compensation For The Damages Sustained In A Crash Caused By Their Insured. This Can Be A Very Complex Process, So Having An Experienced Injury Attorney In Your Corner Takes Some Of That Complexity Off Your Shoulders. If You Have Questions About Georgia’s Minimum Auto Insurance Limits Or Would Like One Of Our Attorneys To Review Your Current Auto Insurance Coverages, Give Us A Call At (770) 427-5498 Or contact Us Online. We’re Here To Help.
Categories: Auto Accidents, Auto Insurance, Car Accident, Georgia Laws, Insurance Claims, Medical Bills, Personal Injury
