Georgia Auto Insurance: Understanding The Minimum Coverage Requirements

In Georgia, drivers must have liability insurance that meets the minimum limits required by law to drive on the state's public roads and highways. These minimum limits are often written as 25/50/25, with $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Liability insurance helps pay for damages to others if you are ruled at fault in an accident. While Georgia law only requires liability insurance, drivers can purchase additional coverage for further protection.

Bodily injury liability insurance

In Georgia, bodily injury liability insurance is a mandatory requirement for all drivers. This insurance covers the medical expenses and funeral costs of any other drivers involved in an accident where you are at fault. It also covers legal fees if you are sued after a crash.

The minimum bodily injury liability insurance coverage in Georgia is $25,000 per person and $50,000 per incident. This means that if you are found at fault for an accident, your insurance will cover the medical and funeral expenses of the other driver(s) involved, up to $25,000 per person and $50,000 total. If there are multiple people injured in a car accident, each of those people has a right to recover damages up to the maximum amount.

While Georgia only requires a minimum of $25,000 per person and $50,000 per incident in bodily injury liability insurance, it is recommended that drivers purchase more coverage if they can afford it. This is because the minimum coverage may not be sufficient in the event of a serious accident, and you could be personally liable for any expenses that exceed your insurance coverage.

In addition to bodily injury liability insurance, drivers in Georgia are also required to have property damage liability insurance, with a minimum coverage of $25,000 per incident.

Property damage liability insurance

In the state of Georgia, drivers are required by law to have a minimum of $25,000 per incident of property damage liability insurance. This is intended to provide a small, basic level of protection for a person who suffers a personal injury in a car accident. If a person is injured due to your negligence, they have the right to recover medical expenses, lost wages, vehicle repair costs, and pain and suffering from you. If there are multiple people injured in a car accident, each of those persons has the right to recover these damages.

If you have the minimum coverage in Georgia and the cost of damages exceeds the amount of your coverage, you are responsible for the remaining cost. You can choose a higher limit for this coverage, meaning you'll be covered for a higher amount if you're in an accident. It's important to consider your specific situation when choosing how much property damage liability insurance to purchase. For example, if you own a home or other expensive items, or if you normally travel in high-traffic areas with expensive vehicles, you may want to consider raising your coverage.

Uninsured motorist insurance

Uninsured motorist coverage will protect you if you are in an accident caused by an uninsured driver or a driver whose insurance limits do not cover the full cost of your damages. It may also cover damages caused by a hit-and-run. This type of insurance can be helpful for both property damage and bodily injury claims.

While adding uninsured motorist coverage to your policy can be more expensive, it can provide valuable protection in the event of an accident. In Georgia, insurance companies are required to offer uninsured motorist coverage, but drivers are not required to carry it.

It's important to note that uninsured motorist coverage is not just for medical expenses. It can also cover future medical expenses, long-term care, medical devices, retrofitting your home to accommodate a disability, and services you're no longer able to perform.

When choosing uninsured motorist coverage, you may have the option between "add-on" and "reduced" coverage. Add-on coverage allows you to add your uninsured motorist limits on top of an underinsured driver's liability limits, while reduced coverage subtracts the other driver's liability limits from your uninsured motorist limits.

In conclusion, while uninsured motorist insurance is not legally required in Georgia, it can provide important financial protection in the event of an accident with an uninsured or underinsured driver. It is worth considering adding this coverage to your policy to ensure you have adequate protection.

Physical damage insurance

When purchasing physical damage insurance, you must choose a deductible, which is the amount you agree to pay out of pocket when you have a claim. Choosing a higher deductible can lower the price of your insurance. You also need to submit a stated amount, which is your best estimate of the current value of your vehicle, taking into account its age, condition, and any permanently attached equipment.

If you are considering physical damage insurance, it is important to understand the specifics of the policy, as there may be exclusions and restrictions. While it can provide financial protection and peace of mind, it is not a requirement for all vehicle owners in Georgia.

Minimum limits

In the state of Georgia, drivers are required to have liability insurance that meets the minimum limits mandated by law to drive on public roads and highways. These "minimum limits" refer to the minimum amount of auto insurance coverage that Georgia drivers must have to comply with the law.

The minimum limits of liability insurance required under Georgia law are as follows:

• Bodily Injury Liability: $25,000 per person and $50,000 per incident. This means that the insurance will cover up to $25,000 of bodily injury for a single person and a total of $50,000 for all individuals injured in the same accident.
• Property Damage Liability: $25,000 per incident. This covers any damage to another person's property caused by the insured driver.

It is important to note that liability insurance only covers damages to others and their property in an accident where the insured driver is at fault. It does not cover any injuries or damages to the insured driver themselves or their passengers. Additionally, if the damages exceed the minimum limits, the insured driver may be personally liable for the remaining expenses.

While Georgia law sets the minimum limits for liability insurance, drivers can choose to purchase additional coverage for more comprehensive protection. This includes optional coverages such as collision insurance, comprehensive insurance, uninsured motorist coverage, and more.

Frequently asked questions