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Category Archives: Georgia Insurance

 The State of Georgia was the 8th U.S. Insurance Market entered in 2007. Taking my agency national has been a treat for both me and my staff.  Offering  auto, homeowners, motorcycle, commercial vehicle and health insurance in a new state has aways been enjoyable.  I remember back in 1994 when we entered our very first new insurance market.  I opened

InsureDirect in 1992. At that time, we only sold insurance in the state of Pennsylvania.  Two years later in 1994, management at Progressive Insurance Company felt we were doing so well in our home state, they offered me an opportunity to market the state of Delaware if we wished.  Keep in mind, marketing another state without a physical location was unheard of in those days.  The only folks whom marketed auto and home insurance products over the phone were the insurance carriers themselves. Regardless; we felt we offered something very different to the public and we have now been doing it for 20 years. represents the nation’s top 30 major auto insurance carriers.  There’s no need to make phone call after phone call.  One phone call to will save you more money and provide you with the best insurance carrier for your needs.


Georgia State Flag
Georgia State Flag

Georgia state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 25/50/25 coverage.

Minimum Required Insurance Coverage in Georgia:
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit

If you are looking to buy only Georgia’s state minimum coverge, has dozens of different car insurance program teirs in Georgia to meet your needs. 
The state of Georgia follows a Tort system very similar tothe state of Pennsylvania, meaning a driver must be found to be at-fault for causing an auto accident and the driver and his/her auto insurance company must pay for the damages. 
Although the State of Georgia does not require any driver to buy  Uninsured/Underinsured Motorist Bodily Injury coverage to pay for bodily injury caused by a uninsured or underinsured driver . If you don’t currently carry Health Insurance Coverage, It may be a good idea to carry this coverge.

Georgia Auto Insurance Carriers Warn About Sandy-Damaged Vehicles

Flood Damaged Cars For SalePost Date December 12, 2012 – Georgia Auto Insurance Agents  are warning both new and used car buyers to look-out for flooded vehicles being sold in the used cars market. The Georgia Auto Insurance agents alert was issued shortly after Hurricane Sandy.  It’s commonly known among Georgia auto insurance companies are many flood-damaged vehicles are recycled back into the used car market and being sold at auto auctions.  In addition, these flooded vehicles may be sold through newspaper ads,  online and used car lots.

Georgia Auto Insurance pay to repair and restore flooded vehicles


It’s very difficult  for the average person to identify a Flood-damaged car which has been restored via payment by a Georgia Auto Insurance Company.   In many situations;  it’s just plain hard to identify a flooded car after the upholstery and carpeting been shampoo and received minor body works. Most flood damaged vehicles are hard to detect even by professionals. Car’s and trucks which have been flooded are then written off as “totaled” or “salvage” most Georgia Auto Insurance Companies.  In many other states;  these labels may not appear on their titles as they are being sold.  In the State of Georgia; any flood damaged and restored car must me formally reported

Georgia Auto Insurance professions say it’s easy to identify these damaged cars. These signs include a musty odor, faded fabrics, some watermarks. The vehicle’s metals can also show paint flaking, rust and mud. Sandy Grit can be seen vehicle’s crevices..  This agent suggests you check the vehicle’s trunk, dashboard, engine area, inner doors, carpeting and under the seats. Those whom attempt to resell a salvaged vehicle always seem to do things half-assed – excuse my french.  Just to make sure, it’s best to hire someone to do an  inspection so you know exactly what you are buying.  A close inspection by a repair professional or and Georgia Auto Insurance Adjuster can check out behind the wiring harnesses, alternator, starter motors, relays, and the power steering pumps.  Georgia Auto insurance  agents warn  potential buyers should check first the title before signing or paying for anything. They must see if the vehicle has been branded as ‘salvage’, ‘flood’, ‘junk’, ‘reconstructed, or ‘rebuilt’. Potential buyers can easily check the history through a national database of the National Motor Vehicle Title Information System by searching for the vehicle’s VIN (vehicle identification number).

You can also go online to and order a copy of the cars complete history.


Michael E. Dortch
President &  Managing Agent
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

NH Policy Holders Remain Silent Over Rate Revisions

NH Policy Holders Remain Silent Over Rate Revisions

Saturday’s Post 12.10.11 – New Hampshire officials have reported no complaints regarding the rate increase affecting State Farm policy holders. The rates were raised by 0.2 percent on average in August. An official of the State Insurance Department said that they have only received one query related to the increase; the misunderstanding was between a quoted rate… Continue Reading

Georgia Latest State To Be Provided An Obama Care Waiver

Georgia Latest State To Be Provided An Obama Care Waiver

Monday’s Post 12/5/12 –  For those who are unaware, Medical Loss Ratio (MLR) is a new federal requirement where Health Insurance Carriers are mandated to allot certain minimum funds on patient care and quality. It is a provision of Obama Care or as it’s legally known as the Federal Affordable Care Act which directs insurers to spend at least… Continue Reading

State Farm Cuts Auto Insurance Rates In Pennsylvania

State Farm Cuts Auto Insurance Rates In Pennsylvania

Pennsylvanians have reason to celebrate during this Holiday Season because auto insurance premiums are expected to go down by 1.3 percent. Starting December 26, policyholders are expected to save $16.5 million annually in the Keystone State. The move is eagerly awaited by policyholders who expect they will pay less for their monthly payments. The same reduction had been made in the previous… Continue Reading

Alfa Insurance Company Introduces Car Insurance

Alfa Insurance Company Introduces Car Insurance

Sunday’s Post 10/30/11 –  Residents of Alabama who have homeowners insurance with Alfa Insurance Company can now enjoy a multi-policy discount with their new auto insurance coverage just introduced by the insurance carrier. Just recently, Alfa Insurance Co. publicized that it will no longer countersign and underwrite a mono-line homeowner policies in Alabama. According to the company, this will only provide… Continue Reading