The state of Georgia, with beautiful cities such as Holly Springs and Johns Creek, has higher car insurance state minimums. The minimum coverage for the state of Georgia is as follows:
Bodily Injury Liability-
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Bodily injury liability covers the medical bills of the driver and passengers of the other vehicle. If you get only the minimum needed coverage the insurance firm will pay up to $25,000 for a single person and up to $50,000 for all the passengers which are in a car accident.
Property Damage Liability-
Property damage liability covers repairs to private and public property like stop signs or side rails, as well as the other party’s automobile. Minimum coverage will make allowance for a maximum payout of $25,000 per accident.
The minimum liability protection for the state of Georgia is set at 25/50/25 for bodily injury and property damage. The numbers are always in the thousands.
Although the state of Georgia has state minimum coverage for vehicles, insurance brokers/agents recommend getting comprehensive, collision, and uninsured motorist protection for new vehicles.
For older vehicles some drivers can get by with the minimum coverage depending on the value, however, uninsured motorist cover is recommended no matter the value of the vehicle.
If you have a loan on your vehicle it is recommended to get Gap insurance. Gap insurance is going to cover the cost of the “cash-value” of the car and what you have left on the “loan-value” or what you have left over (the gap) to pay to the bank. For example if you have a 20,000 dollar loan on a vehicle and the vehicle’s value is 17,500 dollars, Gap insurance would cover the 2,500 dollar gap or the other portion you owe to the bank.
Comprehensive cover is highly recommended in the state of Georgia for vehicles that are no older than five years old. Depending on your location, driver history, and the value of the vehicle there can be instances to have comprehensive on the policy if your car is seven or more years old.
Collision cover is recommended in the state of Georgia for vehicles which are no more than five years old and vehicles which have low mileage, high cash value that are older than five years.
Local Georgia Auto Insurance Agents
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