Auto Insurance in Georgia

Drivers in Georgia, as in most states, are required to have at least minimal auto insurance coverage. The different types of auto insurance are: Bodily Injury Liability Insurance, Property Damage Liability Insurance, and Uninsured/Underinsured Motorist Bodily Injury Insurance.

In Georgia, the following types of insurance and minimum coverage amounts are required:

• Bodily Injury/Death Liability of one person, $25,000
• Bodily Injury/Death Liability of two people, $50,000
• Property Damage, $25,000.

Bodily injury coverage pays for bodily injuries or deaths that occur as a result of an auto accident. The driver at fault must have this coverage to pay for damages. Many drivers choose to pay more in premiums to have a higher amount of coverage; $25,000 is the minimum for one driver.

Property damage coverage pays for damages to someone else’s property that is wrecked as a result of an accident. In addition to car damage, other types of property damage could be to someone’s yard or even house.

Drivers who risk driving without auto insurance are subject to a license suspension and hefty fine if they are caught. They can also find themselves in dire financial circumstances if they cause an accident and have no insurance to pay for the damages.

There are many different auto insurance companies to choose from. The cost of auto insurance varies greatly depending upon a number of factors. Safe drivers with clean driving records will have better rates. The more points a driver has on their driving record, the higher their premiums will be. The auto insurance companies consider these drivers to be risky and will charge higher rates. Some companies will offer discounts to drivers who take any type of defensive driving course. Many bigger insurance companies will also give discounts to customers who use them for other types of insurance including life insurance or homeowners insurance.

If an accident occurs, it is important for drivers to contact their insurance company immediately. The faster auto insurance claims are filed, the quicker life can get back to normal for drivers.