Auto Insurance in Georgia Aims to Protect Both Parties

Insurance rates vary from state to state, as do the laws, so it is important to understand the laws before looking for auto insurance. Georgia is known as a tort state, which means that the driver is financially responsible for any property damage or personal bodily injury that occurs when they are at fault in an accident.

Because Georgia is a tort state, liability insurance coverage is mandatory. This insurance will protect you in the event that you are at fault for an accident. The auto insurance laws in Georgia require that liability insurance have a minimum of $25,000 coverage for bodily injury per person, up to $50,000 for all, and $25,000 for any damage that you cause to another persons property.

Although those are the minimum amounts that are required of your auto insurance, Georgia auto insurance companies do recommend that you purchase more coverage to further protect yourself in the event that you are involved with an automobile accident. You can purchase comprehensive insurance that will cover any personal injuries that you sustain, or any property damages to your property if you are at fault in an accident.

Other insurance policies that you may consider purchasing are policies for uninsured or underinsured drivers. In the event that you are involved in an accident with a driver who does not have insurance, or does not have very much insurance, you and your property will be protected with this type of policy.

As with any insurance policies, it is always a good idea to shop around and obtain a number of quotes before you accept any insurance policy. There are a number of companies who will provide you with free, no obligation quotes via the internet.