Types of Auto Insurance Policies in Georgia

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By law, all Georgia drivers are required to carry a minimum level of motor vehicle insurance. However, not all policies are created equal. Drivers should fully understand their coverage before they need to use it.

The most common types of car insurance include:

  • Liability — Liability insurance covers personal injury and property damage suffered by third parties as a result of the insured person’s negligence.
  • Comprehensive — Comprehensive insurance covers property damage to the insured person’s vehicle caused by anything other than a collision, including theft, vandalism and fire losses.
  • Collision — Collision insurance covers damage to the insured person’s vehicle as a result of a crash, even if the accident is his or her fault.
  • Uninsured motorist — If the at-fault driver has no insurance, uninsured motorist (UM) coverage requires your insurance company to compensate you for any damages, up to the limits of the policy.
  • Underinsured motorist — If the driver carries the bare minimum liability insurance and your damages exceed the coverage, underinsured motorist (UIM) coverage will help fill the gap.

Georgia law requires all motorists who drive on public roads and highways to carry liability insurance that satisfies the following minimum limits: bodily injury liability of $25,000 per person ($50,000 per occurrence) and property damage liability of $25,000 per occurrence. However, drivers are free to purchase as much insurance coverage as they feel they need and can afford.

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