How Much Auto Coverage Do You Need?

If you own a vehicle in Cornelia or Gainesville, GA, before you take it out on the road, you want to make sure that you have the required minimum amount of auto insurance, but you also want to make sure that you have the right amount of coverage for your needs. Chastain Agency Inc. can help you accomplish both. 

What Are the Minimum Auto Insurance Requirements?

There are three main areas of insurance that you want to make sure you have covered. The first is bodily injury liability. In Georgia, you are required to have a minimum of $25,000 worth of coverage per person and $50,000 per accident. You also need to make sure that you have $25,000 worth of coverage for property damage liability. These minimums will guarantee that if you are at fault in an accident, the other driver will be compensated for their damages and losses. If you do not follow the minimum state requirements, you can find yourself facing fines and legal fees.

Is that Enough for You?

Auto insurance can be tricky, but you want to make sure you have the minimum amounts required in Georgia. For some people, it may not be enough. If you have a vehicle that is worth a bit more, you may want to consider more auto insurance coverage. Also, based on your financial situation, there may be a need for higher liability limits because of the rising cost of healthcare and auto repair. 

If you are not sure how much coverage you need or you want to make sure that you have at least the minimum requirements for coverage, Chastain Agency Inc. in Gainesville, GA can take a look at your policy and run you a new quote if needed. Also, try our online rating tool for quotes from home.