The minimum auto insurance in the state of Georgia is very low and there are a number of options which you may leave out of the insurance policy. Today many people tend to take public liability insurance especially when they have a business and wish to ensure that in the event of a major accident while in Georgia that they will be covered. You will need to speak to an insurance agent in Georgia if you need advice on what policies are best and how to ensure that you are covered in the event of an accident.
Many people do take out general liability insurance in the event of an accident and considering the cost of litigation, this is a good long term investment. The state of Georgia has very low requirements such as $25,000 coverage per person and $50,000 accident liability insurance. It would be best to ensure that you are covered by more than this as the per accident insurance is low. bodily injury insurance as well as property damage liability insurance can also be waived but you will need to speak to an insurance agent in Georgia about this. Also consider taking a mixture of insurance from auto and liability insurance and household insurance to bring the premiums down. There are a number of discount which can also be applied for such as AAA discounts as well as over 50 auto insurance amongst others.
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per person
- Uninsured Motorist Bodily Injury*: $25,000 per person and $50,000 per accident
- Uninsured Motorist Property Damage*: $25,000 with a $250, $500, or $1000 deductible
*Uninsured Motorist coverages can be rejected.
Insurance today should not be seen as a luxury but rather as a necessity. You should always ensure that you are properly covered in the event of an accident including if the person who knocks into you is not insured. You might be surprised that in 2012, 12.6 percent of motorists, or about one in eight drivers, was uninsured, according to a 2014 study by the Insurance Research Council (IRC). Ensure that you take proper Uninsured Motorist Bodily Injury and property damage even when optional. Finally you will also note that The State of Georgia is NOT a No-Fault car insurance liability state.