The State of Georgia requires that all motorists carry a Bodily Injury minimum of $25,000 per person and $50,000 for multiple injured parties. In addition to Property Damage minimum of $25,000 per accident. However, when you consider the high cost of medical treatment, long-term care in the event of a serious injury or loss, and lawsuits state minimum coverage is likely to fall short. Also, the price of many new vehicles far exceeds $25,000. Once these amounts are exhausted, an injured party can file a lawsuit against you to recover damages. That's why at Harmony Insurance, we believe in taking time to explain the benefit of each coverage to our clients.
Optional Car Insurance Coverages
Beyond raising the minimum limits of your policy, additional coverage options may be advisable, such as:
- Collision: This would pay for damage to your vehicle in the event of an at-fault accident.
- Comprehensive: This option would cover a loss that you incur from an outside source (i.e. hit an animal, tree falls on your car, theft, etc.).
- Uninsured motorist: While Georgia requires that all motorists have insurance, there are instances where people don't adhere to the law. This would also cover you if a negligent driver chooses not to carry insurance or their policy has expired.
For Harmony Insurance, Georgia is a place that has unique insurance needs. If you need auto insurance or think that you may be underinsured, give us a call at our insurance agency in Braselton, GA, today. One of our insurance agents can discuss your insurance needs and design a policy to help you get the best auto insurance.