subject: Rules and Laws for Car Insurance in Georgia [print this page] Rules and Laws for Car Insurance in Georgia
It is easy to obtain cheaper online auto insurance in Georgia as long as you have the information that you need. You could be driving for the first time or you could have been driving for as long as you remember; you still need an auto insurance policy if you want to drive in this state. The secret to finding an affordable policy is to do plenty of research. This article will tell you about the car insurance basics in Georgia so you can put the new things you learn into some good use and save money with it.
As with most of the Southern states, Georgia has a thriving tourist season. They have great beaches, wonderful weather, and beautiful scenery so tons of people flock there for some relaxation. But a high traffic of people increases the chances of car accidents happening. This is the reason why Georgia has created some requirements for auto insurance that all its residents have to follow.
Every car owner in Georgia is mandated to carry a 25/50/25 policy. This has a bodily injury liability level of $25,000 for each person injured with a sum of $50,000 for all per accident. The other $25,000 is the minimum for property damage liability. Georgia has some of the highest minimums among all the states.
It is advised that you try to purchase more than just the bare minimum when it comes to your auto insurance policy. When you shop for auto insurance in the state of Georgia, see to it that the coverage is extended to anybody who wishes to drive your vehicle and not just the names that are listed on your insurance policy. When you do this, you are saving yourself the chance that you would incur additional liability and problems with your finances.
If somebody who is not listed under the insurance policy is driving the vehicle and gets into an accident that is his fault, you can be liable for it financially instead of the insurance provider.
Georgia law does not require this but you should also consider having the Personal Injury Protection or PIP coverage. This is what pays for the crucial medical expenses incurred by you and the people in your car during the accident. Aside from this, you might also want to consider getting the Uninsured/Underinsured Motorist policy in case you are injured by a person without sufficient insurance coverage.
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