MONDAY, JANUARY 29, 2024
Car insurance is often a required aspect of driving. In fact, most states have laws regarding how much insurance you need to have to legally operate a vehicle. Georgia is no exception; drivers must have at least the state-minimum levels of auto liability insurance.
What Is Auto Liability Insurance?
A typical car insurance policy is comprised of several parts. Some parts of your policy cover damage to your own vehicle, while other parts cover damage you cause to others. Auto liability insurance is designed to cover damage to others. Specifically, liability coverage may cover both third-party property damage and injuries.
Georgia, like other states, requires at least a certain level of liability coverage (i.e., how much your policy may pay for damages you cause). For bodily injury, the minimum limit is $25,000 per person and $50,000 per incident. For property damage, the minimum is $25,000 per incident. Note, these limits can change, so it’s important to confirm amounts with your insurance agent.
While not required, many people choose to increase these minimum limits on their policies. Often, car accidents can exceed state-minimum levels, necessitating greater coverage. More to the point, if you cause more damage than your policy’s liability limits, you would be responsible for personally covering the remainder.
What Other Coverage Should I Consider?
Similar to increasing your liability limits, it’s often wise to consider additional insurance beyond state-mandated liability coverage. Remember, liability insurance financially covers damage to others, not damage to your own vehicle or person.
With that in mind, discuss potential coverage options with your insurance agent, including:
- Comprehensive coverage
- Collision coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
Your agent can help you understand these and other options, and how they may benefit your unique circumstances.
Where Can I Find Affordable Car Insurance?
Peachstate Insurance is here to help with any and all your car insurance questions. Offering service in Atlanta and across the state, we have the expertise to find you the right quote at the right price. Contact us today to get started.
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.
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