How Georgia’s Auto Insurance Requirements Affect You

Understanding Georgia’s auto insurance requirements is essential for every driver in our state. At MileOne Agency, we know that navigating car insurance laws can feel overwhelming, especially with the unique regulations that apply to Georgia residents. Our team is here to help you make sense of these requirements and ensure you have the right coverage for your needs.

Georgia’s Minimum Auto Insurance Requirements

State law requires all drivers to carry a minimum level of auto insurance. This includes:

• Bodily injury liability, which can help cover injuries you may cause to others in an accident
• Property damage liability, which addresses damage you may cause to someone else’s property.

State minimums are designed to offer basic coverage, but they may not fully cover all expenses after a serious accident. If damages exceed your policy limits, you could be responsible for the remaining costs out of pocket.

How These Laws Impact Your Coverage Decisions

Meeting the state minimum is just the starting point. Many drivers choose to increase their coverage for greater peace of mind. Here’s why:

• Accident costs can add up. Medical bills and vehicle repairs often exceed minimum limits.
• Additional coverage offers greater protection, such as:
• Uninsured/underinsured motorist coverage. While not required, this can cover you if you’re hit by a driver with little or no insurance.
• Comprehensive and collision coverages. These options help cover your own vehicle’s repairs after accidents, theft or weather damage.

Our team at MileOne Agency can help you evaluate your risks and select coverage that fits your lifestyle and budget.

Staying Compliant and Insured

Driving without proper insurance can lead to fines, license suspension, and other penalties. We help our clients stay compliant with state laws while also considering additional coverage options for better protection.

We’re committed to guiding drivers through their insurance choices. Whether you’re reviewing your current policy or shopping for new coverage, our team is ready to answer your questions and help you find the right solution. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.