Full Coverage Auto Insurance In Georgia: What's Included?

what is considered full coverage auto insurance in Georgia

In Georgia, all motorists must carry certain minimum insurance coverages. While there is no agreed-upon definition of what qualifies as full coverage insurance in the state, it typically includes liability, collision, and comprehensive coverage. Full coverage may also include add-ons like roadside assistance and uninsured motorist protection, providing a comprehensive safety net for drivers.

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

- Bodily Injury Liability – $25,000 per person and $50,000 per incident

- Property Damage Liability – $25,000 per incident

Characteristics Values
Bodily Injury Liability $25,000 per person and $50,000 per incident
Property Damage Liability $25,000 per incident
Physical Damage Insurance Comprehensive and Collision
Uninsured Motorist Insurance $25,000 per person and $50,000 per incident

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Bodily injury liability

In Georgia, drivers are legally required to have bodily injury liability insurance. This type of insurance covers the cost of damages to others if you are found at fault in an accident. The minimum amount of bodily injury liability insurance required 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 up to $25,000 of damages for each person involved, and up to $50,000 total for the entire incident.

If the persons injured in the accident have damages that exceed your insurance coverage, they have the right to collect the amount of their damages in excess of your insurance coverage from your personal assets. This is why it is important to consider purchasing more than the minimum required coverage. By increasing your liability limits, you can better protect your financial interests in the event of an accident.

In addition to bodily injury liability insurance, Georgia law also requires property damage liability insurance and uninsured motorist coverage. These types of insurance work together to protect you financially in the event of an accident, whether it is your fault or the fault of an uninsured driver.

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Property damage liability

In the state of Georgia, drivers are required to carry a minimum of $25,000 in property damage liability insurance. This is to cover damage to another person's property, such as their car, in the event of an accident where the policyholder is at fault. Property damage liability insurance does not cover damage to the at-fault driver's car.

The minimum property damage liability insurance is part of the minimum liability coverage required by Georgia state law. The minimum liability coverage is 25/50/25, meaning:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident

While Georgia state law requires drivers to carry liability insurance, it does not require physical damage insurance. Physical damage insurance covers loss or damage to the policyholder's own vehicle. However, if a vehicle has been financed or leased, the lender or leasing company will usually require physical damage insurance.

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Uninsured motorist coverage

In Georgia, it is estimated that around 12% of drivers do not have liability insurance, which is a legal requirement. This means that if you are in an accident with an uninsured driver, you could be left footing the bill for any damages or injuries sustained. Uninsured motorist coverage fills this gap by providing financial protection in such situations.

There are two types of uninsured motorist (UM) coverage: bodily injury and property damage. Bodily injury coverage takes care of medical expenses, pain and suffering, and lost wages for both you and your passengers. On the other hand, property damage coverage takes care of damages to your vehicle and, in some cases, your house, fence, or personal items.

In Georgia, insurers are required to offer a minimum of $25,000 in bodily injury coverage per person and $50,000 per accident, as well as $25,000 in property damage coverage per accident. However, drivers can choose to purchase higher coverage limits to ensure they are adequately protected.

Additionally, UM coverage is not limited to car accidents. It also applies to situations where you are a pedestrian hit by an uninsured driver or even a passenger in another vehicle involved in an accident with an uninsured driver.

When purchasing auto insurance in Georgia, it is essential to carefully consider your options for uninsured motorist coverage. While it may be tempting to opt for the minimum coverage to save money, it could leave you vulnerable in the event of an accident with an uninsured or underinsured driver.

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Collision coverage

In Georgia, drivers are required by law to carry liability insurance that meets the state's minimum limits. This includes bodily injury liability and property damage liability coverage. The minimum amount of coverage required is $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage per accident.

While liability insurance is mandatory, collision coverage is considered optional in Georgia. Collision coverage is a type of insurance that covers the cost of repairing or replacing your vehicle if it collides with another vehicle or object. For example, if you hit a guardrail, telephone pole, or another car, collision coverage would pay for the repairs. It doesn't matter who was at fault for the accident; with collision coverage, you're covered.

When considering collision coverage, it's essential to evaluate your financial situation. If you couldn't afford to pay for repairs or a replacement vehicle, collision coverage may be a wise investment for peace of mind. Additionally, consider the value of your vehicle. If it's brand new or still worth a significant amount, collision coverage could help with expensive repairs or a replacement if needed.

In summary, while not mandatory, collision coverage is an essential option to consider when purchasing auto insurance in Georgia. It provides financial protection in the event of accidents, giving you peace of mind and helping to ensure you can afford necessary repairs or replacements.

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Comprehensive coverage

In Georgia, comprehensive coverage is an optional type of auto insurance that covers damage to your car from incidents outside of a traffic collision. This includes damage caused by severe weather, vandalism, floods, theft, and accidents with animals. For example, if a tree branch falls on your car during a windstorm, or you hit a deer, comprehensive insurance will cover the damages. It also covers your vehicle if it is stolen or if parts are stolen from it.

Comprehensive insurance does not cover personal items stolen from your vehicle, injuries, or medical bills resulting from an accident. These are typically covered by your renter's or homeowner's insurance, and standard liability insurance, respectively.

While comprehensive insurance is not required by Georgia state law, it is often required by lenders or leasing companies if you are still making payments on your vehicle. Even if it is not required in your situation, comprehensive insurance is a good idea for unpredictable events that may damage your car.

When purchasing comprehensive insurance, you select a deductible, which is the amount you will pay out of pocket before the insurance coverage kicks in. Deductibles typically range from $100 to $2,500. The lower your deductible, the higher your insurance rates will be.

Comprehensive insurance is usually bundled with collision insurance, which covers damage to your vehicle from a traffic collision with another car or fixed structure. Both types of insurance are considered physical damage insurance and are optional in Georgia. However, you must have at least the minimum liability insurance required by Georgia law to drive legally in the state.

Frequently asked questions

The minimum coverage required by law in Georgia is $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage per accident.

Full coverage in Georgia typically includes liability, collision, and comprehensive coverage. It may also include add-ons like roadside assistance and uninsured motorist protection.

Liability coverage only covers the other party in an accident you're at fault for, while full coverage includes collision and comprehensive coverage, which will cover damages to your own vehicle regardless of fault.

While minimum liability coverage is required by law in Georgia, it may not be enough to fully protect you in the event of an accident. Full coverage can provide a more comprehensive safety net and help you avoid out-of-pocket expenses for repairs or medical bills.

The average cost of a full-coverage auto insurance policy in Georgia is $242 per month or $2,907 per year, which is slightly higher than the national average.

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