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• GA Auto Insurance

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In Georgia, there are a bunch of auto insurance companies competing for your business. How do you choose the best insurance company for you? The first step is to know Georgia’s minimum liability insurance requirements. Then you’ll probably want to check out which optional coverage you may want to purchase. Once you know what type of policy insurance coverage you want, type your zip code into the quote box above to compare the lowest price rate being offered by GA insurance companies that meets your needs. We also provide a lot of good tips and information on Georgia insurance laws and consumer tips. At Auto Insurance Planners, learn everything you should know about Georgia’s auto insurance laws and compare Georgia auto insurance company quotes here.

Georgia auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Georgia follows a tort system for auto insurance.

Georgia uses the tort system for determining who is responsible for paying the expenses that result from an auto accident. The driver who is determined to be at fault pays the costs of the other drivers (and passengers) involved in the accident. The tort system also allows the other party to sue the driver who is at fault for pain and suffering, loss of wages, and other expenses incurred as a result of the accident. This is different than a no-fault system which does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault.

PIP (Personal Injury Protection) insurance is not required in Georgia.

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Georgia does not require uninsured/underinsured motorist coverage.

Uninsured motorist coverage is usually worth purchasing, but you should know that Georgia does not require it. An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Georgia, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Georgia auto insurance rates.

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