Is basic auto insurance enough?

Drivers in the state of Georgia are required to carry basic liability insurance.  The law requires bodily injury liability coverage of $25,000 per person, with a max of $50,000 per occurrence and property damage liability of $25,000 per accident. While this insurance protects other people from you, are you willing to leave yourself and your property without protection? The team at Chastain Agency Inc. in Gainesville, GA has the information you need to decide if basic auto insurance is enough to protect you. 

Uninsured motorist coverage

While basic auto insurance is mandated in Georgia, not everyone in the state who drives is in compliance. If you are involved in an accident with someone who has let their coverage lapse and has no assets, you can be left holding the bag. Uninsured motorist coverage can help to give you the protection that you need. 


If you are involved in an accident where you are the party at fault, getting your vehicle fixed will fall on you. If you have an old vehicle with little or no value that you would not mind losing then collision insurance is not necessary. However, if you have a vehicle that you need to get to work or just to get around and it has significant value to you then collision insurance is something to consider. If you don’t have the money to repair or replace your vehicle, collision insurance is a necessity. 


Comprehensive insurance is often referred to as non-collision coverage. Not all damage that can happen to your car is caused by another vehicle. Protection from theft, vandalism, hail, and deer is included in a comprehensive policy. Glass coverage is also usually included. Replacing a windshield is not inexpensive. 

Drivers in Gainesville, GA can feel confident talking to the agents at Chastain Agency Inc. about the perfect coverage for your auto. Basic auto insurance may not be enough to protect you completely. Stop by our office or give us a call to receive a no-obligation quote.