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Liability insurance covers damage or injury to others in accidents at which you are at fault. Georgia state law requires this type of coverage in the following minimum amounts:
One other type of Georgia car insurance coverage which may be required by your lender if you decide to finance your car is physical damage. This pays for damage to your car, minus your deductible, in case of an accident, and includes both collision and comprehensive. Collision pays for damage incurred if you're involved in an accident with another car or fixed object, whereas comprehensive pays for damages due to other causes, such as hail, fire or theft. Talk to a knowledgeable Georgia car insurance agent to determine if you need physical damage coverage for your car.
One further note: Consider buying higher limits of Georgia liability insurance than those mandated by state law. State-mandated minimums may not be sufficient to cover the complete value of your automobile, provide adequate finances for medical bills incurred as the result of an accident, or protect you fully from lawsuits.
Your Obligations and Privileges
The state of Georgia places certain obligations in your hands. For example, you are obligated to read and understand your Georgia car insurance policy, and to ask your agent or insurance company to clarify anything you do not understand. It is your obligation to fill out your insurance application completely and accurately; to verify the licensing of any and all insurance companies and agents with whom you are considering doing business; and to obtain adequate minimum amounts of auto insurance. It is your duty, once you have purchased your Georgia car insurance policy, to ask your insurance company or agent for proof of coverage until you receive your policy; to keep track of your policy renewal date so you can make all payments on time and avoid the risk of nonrenewal; to pay any additional premium costs; and to report any changes affecting your policy to your company or agent as they occur.
Following an accident, it is your obligation to make contact with your Georgia car insurance company or agent right away. This ensures quick claims processing.
Your privileges as a Georgia car insurance consumer are also numerous. It is your right to choose your own insurance company and agent, and to obtain a fair insurance quote. You have the privilege of purchasing your policy with no preferential treatment or discrimination. When filing a claim, that claim must be investigated in a proper and timely manner, and payment for necessary repairs must be acquired from your insurance company or agent within 20 days of a settlement. You are entitled to receive copies of all insurance forms and applications within 60 days and, if not satisfied with your insurance provider, you may file a complaint regarding those issues with your insurance company.
Frequently Asked Questions
"How can I save money on my Georgia car insurance premium?"
There are several ways to save money on your auto insurance premium:
"Why do insurance companies charge different rates in different geographical areas?"
Georgia car insurance rates are based on:
Therefore, rates can vary greatly according to these factors.
"Can my Georgia car insurance company cancel my policy? Why?"
Yes, your Georgia car insurance company can cancel your policy for several reasons. These include:
If your Georgia car insurance policy is cancelled, your driver's license may be suspended, along with your car registration and auto tag. You may also be assigned fines.
"How much will my car insurance company pay me if my car is damaged?"
In the event of an accident, your Georgia car insurance company is required to pay the amount necessary to restore your auto to its original, pre-accident condition.
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