Auto liability insurance is essential for responsible Georgia drivers; it’s also required by state law. Liability coverage may offer financial protection if you cause an accident resulting in injuries or damages to others, up to the policy’s dollar limits. Depending on your situation, your agent may advise you to maintain more than the minimum required amount of liability coverage.
Below are some of the benefits of maintaining auto liability coverage in Georgia.
Financial Protection If You Cause an Accident
Auto liability insurance may help cover the cost of repairs to the other person’s vehicle or property and their injuries if you cause an accident. Without appropriate liability insurance, you can be held personally responsible for covering these costs, which can be substantial.
Legal Representation
Another benefit of having auto liability insurance is that it may include coverage for legal representation. If you are involved in an accident and a lawsuit is filed against you, liability insurance can help cover legal defense costs. Without liability insurance, you would be personally responsible for defending yourself in court and potentially paying damages if you lose the case.
Auto Liability Coverage Can Help Drivers Comply With Georgia Laws
Georgia drivers must maintain minimum auto liability coverage to comply with state laws. Failure to have auto liability insurance can result in fines, driver’s license suspension, and even vehicle impoundment.
Georgia law requires the following auto insurance coverages:
- Property damage liability insurance may help cover your liability for accident-related third-party property damage up to the policy’s limits.
- Bodily injury liability insurance may help cover your liability for accident-related third-party injuries up to the policy’s limits.
Since liability coverage is intended to pay for damage caused to others, your agent may also recommend adding additional coverages to your policy, such as comprehensive or collision insurance. These coverages may help provide financial protection to your own vehicle if it’s damaged in a covered incident or accident.
Car insurance is highly customizable, so work closely with your agent to tailor your policies and endorsements to meet your needs.
Peace of Mind
Auto liability insurance can help provide peace of mind. Knowing that you have coverage in case of an accident can relieve the stress and worry that can come with driving.
Contact Us
Auto liability insurance is a crucial component of responsible driving in Georgia. Contact Peachstate Insurance in Atlanta, Georgia, to get the car insurance you need to comply with Georgia law. Our team will help you compare multiple car insurance quotes to help you get the best possible rates.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.