What auto insurance is required in Georgia?

Georgia law requires that all drivers carry auto insurance. If you plan to continue to drive, you need to maintain this insurance at all times. At the Chastain Agency Inc. in Gainesville, GA, we are an independent agency and thus are committed to service. We treat our customers as individuals and customize the insurance we recommend for their needs. We strive to give everyone the service they expect and deserve. 

Georgia is a fault state, which means whichever driver is responsible for an accident pays for the damages. What you must carry if you are driving is liability coverage. The mandated amount is 25/50/25. That is $25,000 in bodily injury for one person in an accident with $50,000 for all injuries. With $25,000 for damage to property. This is pretty average when it comes to liability coverage. 

For drivers who lease their vehicle or have an auto loan, you will need to cover your vehicle as well as have liability protection. This means adding collision, and comprehensive coverage to your policy. 

Collision covers exactly what you would expect, collisions when you are responsible. This will help pay for repairs and if the vehicle is a complete loss, you will get the amount the insurance company thinks your vehicle is worth. If this is not enough to pay your loan, you should consider gap insurance. Collision insurance also covers an accident where your car is the only car involved and hit and run. 

Comprehensive coverage is non-collision insurance. Many things can happen to your vehicle without another vehicle being involved. Your vehicle can be stolen or vandalized, a tree limb can fall on your car or hail can damage your paint. A deer can run into the road in front of you. Glass coverage is also included. 

Contact Chastain Agency Inc. in Gainesville, GA., when you need to get an auto insurance quote.