What You Need to Know When Obtaining Auto Insurance in Georgia

Georgia is one state in the U.S. that requires all drivers to obtain automobile insurance coverage and each driver must be insured for at least the minimum amount of liability required by the state.

The state requires $25,000 for bodily injuries per person, $50,000 for total injuries per accident, and $25,000 for physical damages to vehicles involved in the accident. Of course, being in an accident is never that simple and if you are the kind of person who likes to prepare for any kind of eventuality, you would know that other types of coverage may be needed if you get involve in an accident. To this end, you might want to consider purchasing other coverage offered in the market, such as coverage for uninsured motorist. This is particularly useful if you wish to file a claim against someone who was determined to be at fault in the accident, only to find out that the other person has no auto insurance policy. This particular policy allows you to make claims to your own insurance provider for injuries and damages incurred. The mentioned physical damages coverage is the amount your insurance provider will pay to other people making claims against you. However, it does not pay for any kind of property damage you sustain on your end. This is why it is often necessary for most drivers in the state to obtain collision coverage so that they can make claims for damages they sustain. Another coverage you might also consider purchasing is the comprehensive coverage, which offers protection in case your car got burned, exploded, was damaged by natural disasters such as earthquake and windstorm, or sustained damages due to collision with animals. There are still other types of auto insurance coverage that are not required by law though are quite useful and effective in times when you might need it the most. You can easily inquire with your insurance provider regarding these types of coverage and arrange for them to be added to your existing policy.

Maintaining an auto insurance policy is not an easy thing to do, especially if you choose to purchase higher amount of liability coverage as well as added a few other coverage to suit your needs and that of your family. This is why it is also important for you to know some of your rights as a policyholder and be able to exercise these rights in case you might be a victim of unfair practices made by some insurance providers. One of these is the right is to pay only the amount quoted to you by the insurance agent when you made the purchase. In the instance the insurance company charges you more than what you agreed on in the first place, you have every reason to complain to the Georgia Department of Insurance, the state agency administering this particular sector. Many disputes have also risen out of the decision of an insurance company to non-renew a particular policy. In particular, the insurance company is not permitted under state law to non-renew a policy that has been enforced for more than three years, except for reasons deemed reasonable by the state, such as nonpayment and fraud. In case your insurance provider do decide to non-renew or cancel your policy, they are also obligated to inform you in writing as soon as possible. If you feel that you have been a victim of unfair cancellation or non-renewal, you can always contact the Department of Insurance, which will investigate the merit of your case through its Consumer Services Division. Lastly, you as the consumer also have the obligation to make prompt payments and to inform your insurance provider immediately should you be unfortunate enough to be figured in an accident. You are also obligated to be honest and truthful in your dealings with your insurance provider, as any kind of fraud or misrepresentation on your part would gave legal grounds for the provider to discontinue your coverage.

We help our Georgia customers in Atlanta, Augusta, Columbus, Savannah, Athens, Macon, Roswell, Sandy Springs, Albany, Marietta, GA and other cities in The Peach State lower their premiums and save money on all types of insurance. Use the form above to find low cost auto, homeowners, health, medical, life and long term care insurance. Using our Georgia insurance agent and broker network, you can easily compare rates from multiple providers.

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