Do I really need to carry a specific amount of auto insurance in Georgia?    Here are a few things to know about Georgia’s auto insurance requirement:

  • Georgia law only requires that you carry at least $25,000 worth of bodily liability insurance per person, $50,000 of bodily liability insurance per accident, and $25,000 of property damage insurance. You should note that bodily injury liability and property damage coverage do NOT cover damages to your car or the injuries of you and your passengers. If you want coverage for your vehicle, you should discuss these options with your insurance carrier as they can advise you about additional coverage on collision and comprehensive coverage.
  • It’s also important to note that Georgia’s minimum insurance coverage limits may not be enough to completely cover the other driver if you are in an accident and they sue you.  If you are in this situation, you should seek out legal advice immediately and do not make any settlements with the insurance company until you have spoken to an attorney.  Although the lawyer may advise you to accept the money offered by the insurance company, it is in your best interest to fully understand your options prior to acceptance.
  • Georgia law involving auto insurance is a much more complex set of laws that it appears.  Discuss Uninsured / Under-insured Insurance Coverage thoroughly with your insurance agent. Be sure to research your options thoroughly with a reputable insurance company so that if you are ever in an accident and need their assistance, you have a name you can trust.


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