Why State Minimum Auto Insurance Coverage Is Not Enough 

Relying on Georgia’s state minimum auto insurance or the required amount of auto liability coverage can leave you financially vulnerable.

Here are the top reasons why state minimum auto coverage doesn’t typically provide enough financial protection:

• Insufficient coverage in an at-fault accident—Georgia’s mandatory auto liability insurance may not provide enough liability coverage if you cause third-party property damage or injuries while driving. If you’re found at fault in a severe accident, you could be responsible for damages that exceed your policy limits, leaving you to pay out of pocket.

• No coverage for your vehicle—Georgia’s minimum auto insurance requirements do not include collision or comprehensive coverage. If your car is damaged in an accident you cause, stolen or affected by a natural disaster, you will have to cover the repair or replacement costs yourself. If you finance or lease your vehicle, your lienholder typically requires full coverage insurance, including comprehensive, collision and gap coverage.

• No protection against uninsured drivers—Georgia does not require uninsured/underinsured motorist coverage. If you’re involved in an accident with an uninsured or underinsured driver, you could pay for medical expenses and vehicle repairs out of your own pocket.

• High accident-related medical expenses—Georgia’s required state minimum auto insurance coverage does not help cover your accident-related medical costs. In the event of a severe accident, medical bills can quickly add up, leaving you financially strained.

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Our experienced agents can help you compare quotes from multiple local insurers. Contact Kris D Rogers & Associates in Woodstock, Georgia, for auto insurance tailored to meet your needs.

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.