Georgia Auto Insurance Requirement

Reader’s Question:

We are new residents of Georgia. What are the auto insurance law in this state?

Patrick

Macon, GA

Like any other states in US, auto insurance in Georgia has its minimum required coverage. Liability policy, with its least amount mandated by states of Georgia, will not cover other person except the person whose name is indicated in the auto insurance policy. The minimum amount of auto insurance coverage in Georgia is higher than any other states.

• Bodily Injury Liability: $25,000/$50,000 Limit
  Property Damage Liability: $25,000 Limit

If you are wondering how to settle the cost of vehicle repair on your car, collision and comprehensive policy offers this policy. Even if you have auto insurance policy to cover the medical expenses and cost of damaged property of your victim, you might still have to carry the financial burden of having your car repaired unless you have collision and comprehensive policy. This policy also covers the damage in your car as a result of unavoidable circumstances like a deer you hit when it immediately crossed the road.

In case you are wondering whether all vehicles that you see on the road are insured, the answer is no. There are still drivers who do not have their car insured and this can be a problem in the case of a traffic accident. If an uninsured vehicle hit you or your car, you can rely on payments of medical expenses by uninsured/underinsured motorist policy. You can ask your auto insurance company for more information.