In the state of Georgia, residents are treated to a major influx of traffic every year with tourist season. It seems like almost everyone north and west of the state wants to visit or at least pass through. This increase in traffic always means an increase in car accidents too. For this reason and others, the state of Georgia has implemented required car insurance coverage for residents who own vehicles.
If you are in the market for car insurance you have a variety of options available. You can start by going through the yellow pages or contacting companies that you have seen in ads. You can also purchase coverage online by using our online auto insurance quote tool. However, if you plan to do so be sure you are familiar with your Georgias requirements for minimum auto insurance coverage. You can get such details from the Georgia Department of Insurance.
Car owners in the state of Georgia must carry liability coverage on their car. Some insurers automatically include only all listed drivers on the policy, while others allow you to extend your auto insurance coverage to any driver of your vehicle. The minimum state mandated liability coverage in Georgia is:
$25,000 bodily injury liability coverage per person
$50,000 bodily injury liability coverage per accident in total
$25,000 property damage liability coverage per accident.
These limits of car insurance coverage are much higher than in many other states in the country. However, such limits may still prove inadequate when serious accidents occur.
In addition to the basic liability coverage that is required by all car owners in Georgia, many drivers should also carry other types of car insurance coverage. If you wish to have damage or destruction to your own vehicle covered in the case of accidental loss, you will need to purchase collision and comprehensive coverage. Collision will give you the security of repairing your vehicle in the case of an accident where you are at-fault. Comprehensive coverage will cover you in the case of vandalism, theft, fire or other perils.
In the case of cars being totaled from an accident or other types of loss, insurance adjustors use the blue book value of the vehicle for claims. Often there is a difference between the blue book value of the vehicle and the amount still owed on the car loan. In this case you would be responsible to cover the difference. However by carrying gap coverage your insurer can cover this difference and bridge the gap.
Yet another type of car insurance which is very valuable to carry is called uninsured/underinsured motorist (UM) coverage. This type of coverage will pay for your vehicles repairs if you have an accident where the at-fault party is uninsured or does not carry enough coverage to pay for the expenses. It also covers accidents with hit and run drivers.
Having the right types of Georgia car insurance can ensure that you are covered in the case of any eventuality.
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