Georgia Car Insurance Coverage – How Much Money Can You Save?

September 28, 2017 · Posted in General Articles on Car Insurance 
by Ammie Johnson

It is required by law that all Georgia state automobile owners must have car coverage. In 2003 a policy was enacted that gave the Georgia state police an coverage database which feeds from the Department of auto car security. This database pinpoints vehicles with expired or no coverage. Though the presence of an coverage card is still important in case of Crash, it can not be used as ‘proof’ of valid coverage.

As Georgians scrambled for car insurance coverage, they had to keep one thing in mind: minimum liability limits. Georgians need a minimum insurance coverage of:

$25,000 per person body injury coverage, $50,000 per occurrence, and $25,000 property damage per occurrence.

The required insurance will cover accidents in which the holder is at fault. Georgia functions on a controversial Tort system. This means that when an auto accident occurs, one party must be found at fault. The party at fault will pay for all damages through their insurance. The presence of the Tort system will vary depending on the state.

Crash coverage covers the physical damage of the owner’s automobile. Crash coverage is not required by Georgia law, but it is mandated by The majority leasing and lending companies. Consumers maybe not see fit to get Crash coverage for an older automobile, however, because insurance coverage does not typically exceed the value of the car. Comprehensive coverage will protect the car from damages not resulting from Crash, such as theft, flood, fire, animal damages, etc.

Though it is not really required, uninsured motorist coverage gives automobile owners extra security by protecting the owner against charges from damages to car and passengers caused by uninsured drivers. If one can afford uninsured motorist coverage, it will certainly lessen the frustration in the unlucky event of such an accident.

Affordability of coverage can depend on driving record, age, and type of automobile, and type of coverage. With so to many people factors to consider, it makes sense to compare price quotes online. New automobile owners in Georgia only have about 20 days to obtain coverage for their car. With limits like these, automobile owners must act fast in order to receive the The majority insurance coverage for the least quanity of money. Obtaining automobile coverage can be a costly and complex matter. Technology has made it possible to review and verify one’s automobile coverage online. And thankfully, the web can offer cheap coverage price quotes and consumers can research reviews and compare ratings of companies before making any commitments.

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