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Georgia Car Insurance Coverage

Whether you're purchasing auto insurance in Georgia for the first time or looking around for a better price, it's never a bad idea to get familiar with all the types of insurance offered in Georgia before you buy your insurance. That way, you can decide what you want and need before you even get a quote or speak to an agent.

Below are the most common types of car insurance offered in GA, along with some notes about any laws pertaining to that type of insurance. Please note that each insurance carrier does not necessarily offer every type of coverage, and that you will need to speak to each carrier about their specific policies and procedures.

Liability Insurance

All automobile insurance companies in Georgia should offer liability insurance. This is insurance that covers damage done to another person's body or property if you cause an accident. There are two sub-types under liability insurance, bodily liability coverage and property liability coverage. Bodily liability coverage specifically refers to money that is paid to cover the medical bills of someone injured in an accident you cause, and property liability coverage provides money to fix or restore property damaged by an accident you cause.

In Georgia, both bodily injury liability and property liability insurance are required to register your vehicle in the state. You must carry a minimum of $25,000 worth of bodily injury liability coverage for one injured person per accident, $50,000 for two or more injured people per accident, and $25,000 worth of property liability per accident.

Other Common Types of Insurance Coverage

As in most states, insurance companies in Georgia usually offer collision coverage. This means that any damage to your vehicle due to any sort of collision, be it with another car, an obstacle in the road, or something stationary, is covered. Generally, if the damage is also covered by another motorist's liability insurance, your collision coverage will only pay of that coverage is exhausted. However, if your vehicle is damaged and the damage is your fault, your collision coverage will pay automatically.

Comprehensive coverage is also popular in Georgia. This covers physical damage to your car that is caused by something other than a collision with another object. It includes damage caused by wind, rain, and other acts of God, as well as anything done by vandals or occasions where your vehicle is damaged and you don't know how it happened. Usually, comprehensive coverage includes coverage in case of fire and theft, but you should check your policy or talk to your insurance company to make sure. Occasionally, you will need to purchase extra coverage for these special cases.

While collision and comprehensive insurance coverage are not required in Georgia, they are often required by companies that finance vehicle loans or leases. If you lease a vehicle or are making payments on one, make sure you know what insurance requirements are in your contract and purchase insurance accordingly.

Uninsured and/or underinsured motorist coverage pays when you or your vehicle are damaged and the person at fault does not have insurance coverage at all, or does not have enough to pay for your damages. In Georgia, this sort of coverage can be stacked on top of another person's liability coverage, making it more likely that all of your damages or medical bills will be paid. In many states, uninsured/underinsured motorist coverage is required, but this is not so in Georgia. It is, however, still highly recommended.

Personal injury protection coverage is the final common category of insurance for Georgia drivers. This insurance will cover both your immediate and long-term medical costs if you are injured in an accident. It is considered no-fault insurance, meaning that you will be covered regardless of who is at fault in the accident. Many people find this sort of coverage reassuring, as it means your medical bills will be paid quickly and easily, without a long court settlement.

Other Types of Car Insurance Coverage

Some drivers in GA choose to carry gap insurance coverage, which covers the difference between the amount you still owe on a car loan and the value your insurance company estimates the vehicle to be worth. Especially whem some time has gone by after you've purchased a car, the insurance company's estimation of its value will often be less than the amount you still owe on the loan. If the car is deemed a total loss after an accident, gap coverage assures that the lender will be reimbursed the total amount of the car, not just its current estimated value. This is another type of insurance often required by lending companies.

Pay-Per-Mile coverage is also sometimes available in Georgia. This determines your liability insurance rates and premiums based on how often you use your vehicle and how far you drive it. While not a good deal for most drivers, this coverage can reduce the cost of your insurance if you do not drive very much or if you have a particular vehicle that sees very little mileage over the course of a year.

Physical damage coverage is related to collision and comprehensive coverage, but insures your car against any and all sorts of physical damage, including things that might not be included in one of the other types of coverage. If your vehicle is not payed off or is leased, this can be required via your contract with the lender or leasing company, often in lieu of collision or comprehensive coverage. Make sure you know what coverage you need before you purchase your insurance, as making a mistake here can be quite a headache to resolve.

Rental car coverage covers you anytime you're driving a rented vehicle. This coverage is especially useful for frequent travelers or those who often end up with a rental car for work purposes. Before you purchase this coverage, though, check to make sure that you are not covered by a policy owned by your employer, or under a credit card or other association, which often offer rental car insurance coverage free of charge. Note that this type of insurance is different from a rental car provision in another area of your insurance, usually collision, comprehensive, and/or physical damage coverage, which provides you with a rental car if your vehicle is being repaired.

Choosing Your Auto Insurance Coverage

Now that you're familiar with the types of automobile insurance offered in Georgia, you should be in a good place to choose what will work best for you and your family. If you have any questions, talk to your insurance company, broker, or agent and make sure you are satisfied with their answers. In addition, make sure that your particular company does not offer any other, specialized types of insurance that might pertain to your situation.

Once you have all the information in front of you, you can choose your auto insurance coverage and company with complete confidence, knowing that you have all the knowledge necessary to make the best choice for you. Then, rest assured in your coverage, knowing that your insurance company will be there if you ever need them.




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