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Getting Car Insurance in Georgia

Getting car insurance in Georgia means dealing with GA state auto insurance laws. Drivers all across the state have to deal with these laws no matter what kinds of policies they have or vehicles they drive. Because of this, it is important for all of us in the state to become familiar with the insurance rules set forth by the government. Insurance companies selling policies in the state are not permitted to offer noncompliant plans, but it is still up to us as consumers and auto owners to represent our own interests rather than count on others to do so.

Required Insurance for GA Motorists

Auto insurance is important in a variety of different ways. It protects the covered driver from property losses and the expenses that can accompany those losses. Commercial insurance such as auto insurance for home remodelers can be a huge asset to any small business. And it also safeguards against medical expenses, which can really pile up in the wake of serious accidents. Insurance protection helps deal with costs tied to liability judgments following at fault accidents. It is smart for drivers to structure their policies with as much liability protection as they can afford because this part of a policy becomes especially important following at fault accidents. And liability insurance is required for all drivers in the state of Georgia.

State law mandates liability insurance for every motorist, and also provides a baseline for the minimum levels of protection provided by liability policies purchased for motorists in GA. Our state uses the split limit liability system, which divides limits of coverage and deductibles into three parts. This keeps overall rates lower than they would be under a single limit system but does tend to increase out of pocket deductible expenses after car accident claims.

The minimum acceptable level of protection for Georgia drivers in their liability policies is $25,000 for property damage, $25,000 for bodily injury per person, and $50,000 in bodily injury protection per accident [1]. Liability auto insurance plays a very specific role in the overall policy. It is set aside to pay out on behalf of the insured driver for injuries or property damage to others in an accident deemed to be the insured driver's fault, up to the limits of the policy. Anything above and beyond those limits is the responsibility of the at fault driver, and many accidents do result in expenses that go beyond the state minimums.

For this reason insurance professionals typically recommend higher limits than what is required by the state, and default policy offerings will contain these higher limits unless the consumer specifies otherwise. Drivers are also responsible for the deducible payments before any payout is made on their behalf, so the choice of deductible must be made with this consideration in mind. Of course a higher deductible will always result in a lower premium, but that premium savings will certainly be offset by higher out of pocket expenses in the event of an accident. So, each driver must evaluate how to navigate that balance between cost savings and personal protection.

Optional GA Auto Insurance Coverage

Liability is a very important area of auto home insurance coverage for state motorists, which is why it is required by the state. However, it is far from the only available protection Georgia drivers can purchase when putting their policies together. They can also add physical damage insurance for their own vehicles. This is not required by the state, but is generally mandated by lien holders when a car is leased or financed. The part of the physical damage policy that covers theft, vandalism and other non collision losses is called "comprehensive" or "other than collision" coverage. The second part is simply called "collision". Between the two, as an auto owner you get protected from all kinds of different property loss threats. Policy holders have the right to make a claim on their own physical damage insurance even if someone else caused the damage in a car accident. Generally the insurance company in this scenario would make a payout for the claim and then go after the other driver's liability insurance policy to recover their costs as well as your deductible payment.

Uninsured motorist insurance is also available to state drivers. Even though state law requires liability insurance for all drivers, there are still some who do not obey the law. UM coverage protects you when you get into an accident with an uninsured driver or are the victim of a hit and run accident. The policy protects the covered driver and passengers from injury expenses as well as providing property loss protection. It essentially replaces the coverage that the other driver's liability policy would ordinarily provide.

Getting car insurance in Georgia is simple when you understand the law and get quotes using our simple form at the top of this page.

[1] http://www.gainsurance.org/ConsumerService/AutoInsurance.aspx Retrieved 2010-07-29.

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