What do you need to know in shopping for Georgia vehicle insurance online? First and foremost, you need to know the state’s required auto insurance coverage.
Georgia law requires for vehicle owners to carry at least the Liability insurance which is comprised of the bodily injury and the property damage liabilities. Minimum coverage for bodily injury is required at $25,000 per person in an accident, and $50,000 for all persons in an accident. This means that when your insured vehicle will cause injuries or death to other persons such as pedestrians, passengers of the other car, or passengers of your vehicle which are not included in your policy, your auto insurance company will pay for their injuries or death benefits with the mentioned amounts as limits. On the other hand, minimum limit set for property damage liability in Georgia is $25,000. This will be the maximum amount your insurer will pay for claims on damages to properties that your vehicle had caused.
However, liability insurance will only protect you against claims on liabilities. It will not pay for the injuries you obtained and the damages your vehicle have incurred. To provide additional protection, you may want to include the following in buying Georgia vehicle insurance online:
• Medical Payments which will provide coverage for injuries you or your passengers may suffer in an accident.
• Collision which will cover your insured vehicle’s repair costs in the event that that vehicle will obtain damages in a collision-caused accident.
• Comprehensive which will cover your insured vehicle’s repair or replacement costs when that vehicle will obtain damages due to other causes except for collision-related incidents. These causes may include theft, fire, falling objects, explosion, flood, hail, windstorm, earthquake, riot, or an animal collision.
In buying Georgia vehicle insurance online, ask yourself first whether you will go for the minimum liability insurance or have an all-out protection. For your auto insurance quotes in Georgia, you may start by filling-up InsureDirect’s Get Quotes option or call our toll free number, (800) 807-0762.