What is the minimum auto insurance coverage in Georgia? Are there any policy I need to purchase?

Andrea

Columbus, GA

Like any other rules, auto insurance in Georgia sets a minimum amount of auto insurance. The liability policy is required by the states and the coverage will only apply to the person whose name is indicated on it. As compared with other states in the US, Georgia has the highest least amount of liability coverage required to drivers.

The minimum liability auto insurance coverage in Georgia are:

• $25,000 Bodily Injury Liability limits of per injured person up to a total of
• $50,000 per accident, and
• $25,000 Property Damage Liability coverage

Although auto insurance in Georgia does not require collision and comprehensive coverage, drivers will need this coverage to pay the cost of repairing his/her vehicle. Other than paying the cost of vehicle repair of the victim, the insured should also think of his/her needs after the accident. Collision and comprehensive coverage can ease the financial burden of shelling out money for this. In case you got your car damaged because an animal immediately crossed the road, this coverage will still pay for the vehicle repair.

Worst case scenario that can happen to a driver is to get hit by a vehicle that is not insured. If collision and comprehensive insurance will pay the vehicle cost, uninsured/underinsured will take care of your medical expenses. You can also use this when the at-fault driver does not have sufficient auto insurance coverage to pay the total amount of costs.

A: Good question. When you have an old car, you have to take into consideration a couple of things. First of all, what kind of safety features does it have? Even the basics such as seat belts and air bags will save you money, but if you can have anti lock disc brakes installed as well, that’s another good step.

Second of all, how much is it worth? Check Kelley’s Blue Book and see. If your car values less than a thousand dollars, then it’s time to cut off the fat. A thousand dollar car doesn’t need comprehensive or collision insurance, and you can get by fine with just the minimum liability. Otherwise, you’ll be spending more each year on your supposedly cheap SR22 auto insurance than you would get back if you just sold the thing.