Liability Versus Comprehensive Auto Insurance in Georgia: Which Is Best?

Even driving an older car, you may not be able to afford significant repairs if you get into an accident. In addition, natural events such as fire, flood, hail, or falling trees may also damage your vehicle, resulting in costly repairs. Carrying liability-only insurance meets Georgia state minimum requirements but leaves your vehicle unprotected. Although comprehensive insurance costs more, a single accident can leave your vehicle inoperable. Our Chastain Agency Inc. agents in Gainesville, GA can help you select the ideal amount of insurance for your needs.

Types of Auto Insurance

Four types of insurance exist to cover your vehicle:

  • Liability
  • Comprehensive
  • Collision
  • Uninsured Motorist


Of these four, Georgia residents must carry liability insurance. Georgia’s residents must have the following amounts of two types of liability coverage to drive legally:

  • Bodily Injury coverage at $25,000 per person or $50,000 per incident and
  • Property Damage worth $25,000 per incident


Liability covers collision damage to the other party’s vehicle, while comprehensive insurance pays for damage to your car that did not result from a crash. For example, comprehensive insurance pays when a tree falls on your car or hail pits your windshield.

Collision Insurance

Currently, 12 states have no-fault auto insurance. Unfortunately, Georgia does not. Instead, someone must determine who caused the accident or contributed to its severity. Consequently, even if you did not cause the accident, you could still be partially at fault for failing to avoid it.

Uninsured Motorist Coverage

Unfortunately, not every Georgia resident follows the law. Uninsured motorist coverage protects you when someone fails to maintain their Georgia liability insurance. 

Comprehensive Versus Liability

Since liability does not pay for damages to your vehicle, it may not be your best choice. Call our Gainesville, GA agents at Chastain Agency Inc at 770-297-1166 to help you decide.