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Answered 2010-02-25 18:22:19

You need at least $2000 uninsured motorist coverage for you auto insurance policy in the state of Georgia

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The state of Georgia only requires liability and property damage coverage. You have the option to purchase additional coverage's. It is a good idea to purchase uninsured motorist coverage.

Georgia automobile insurance law states that people who purchase insurance may "stack" - or add the coverage together for each insured vehicle - for uninsured and underinsured motorist coverage.

The state of Georgia, like all other states, requires that all drivers carry no less than minimum coverage, which is detailed here: Georgia does not require Under Insured Motorist coverage:

Uninsured motorist coverage. If you don't have UM coverage collision will pay instead. I write UM coverage on almost every auto policy we write unless the client is adamant that they do not want it. UM pays as if the person did have insurance but your carrier is the payor. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.

Auto Insurance policies for Georgia One has to be ever vigilant and well prepared for a Auto accident, and the untold trauma suffered during an incident. The best way in which a person involved in a car accident can recover the huge financial and emotional damages caused is to purchase Auto insurance coverage. Jones Group Insurance Services gives you the option of choosing an array of different auto insurance coverage packages. Our agents can conduct proper research regarding the available options. Before narrowing down one, this is most suitable and affordable for your personal needs.

The best insurance agency is a matter of opinion. That aside, I think State Farm is the best insurance agency to use in Georgia. They offer great rates on uninsured motorists.

If the at-Fault Party has No InsuranceYES: under your own policy's Uninsured Motorist Coverage, but only in the following states:• Alaska • Arkansas • California • Delaware • District of Columbia • Georgia • Hawaii • Illinois • Indiana • Louisiana • Maryland • Mississippi •New Jersey • New Mexico • North Carolina • Ohio • Oregon • Rhode Island • South Carolina • Tennessee • Texas • Utah • Vermont • Virginia • Washington • West Virginia.From My Own Policy's Collision CoverageYES: in Georgia, Kansas, North Carolina and Washington

Georgia residents are required by law to carry a certain amount of liability insurance when operating a motor vehicle. This is not the only type of auto insurance available. Collision and comprehensive insurance, personal injury protection and uninsured motorist coverage are also offered by licensed car insurance companies. Vehicle owners are encouraged to check out the benefits of each insurance type and compare quotes from a number of providers to determine what auto insurance package is most suitable.Liability Insurance Requirements In GeorgiaAll drivers must carry a policy that meets or exceeds the state minimum coverage requirements. When shopping for car insurance online, individuals will see quotes given that include this minimum protection. At least $25,000 in protection to cover the costs of an injury to an innocent party is required. A minimum of $50,000 is required to cover the costs of bodily injury to multiple non-fault individuals and an additional $25,000 is needed to cover the costs of vehicle or personal property damage owned by those not at fault in an accident.Uninsured motorist protection is not required by law in the state of Georgia. This type of insurance provides coverage for vehicle damage and/or bodily injury caused by someone not carrying the required liability insurance. It is wise to consider this protection because in the event of a serious accident caused by a non-insured individual, victims have no recourse but to bring a lawsuit against the at-fault party if uninsured motorist protection is not in force. The suit may never result in any monetary compensation.Understanding Collision InsuranceGeorgia residents may be asked to carry this type of insurance when financing a vehicle. The car acts as collateral for the loan but if it is severely damaged the lender will have nothing to use as security for the outstanding loan balance. It is therefore important to carry collision insurance to cover the repair costs when a car is damaged in an accident caused by the vehicle's owner. Comprehensive insurance is part of this policy and is used to cover repair costs when the damage is caused by an unknown party or through an act of nature.Saving Money By Combining Coverage TypesA full vehicle protection package that includes liability, collision, comprehensive and uninsured motorist insurance will cost less than when each type is purchased separately. Not all insurance companies offer the same discounts when additional drivers or vehicles are added to an existing policy. Georgia vehicle owners are encouraged to speak with their agent and also check out the online rates from competing insurance providers. Some companies offer huge discounts when several vehicles are fully protected.

Uninsured Motorist coverage pays for your losses if the other party was at fault and had no insurance. It is subject to the limits you chose and they are listed on your declarations page. As for Comprehensive, it is easier to define collision first. Collision is if you hit something or turn the vehicle over. Comprehensive is just about everything else. It includes fire, theft, vandalism, broken glass, animal collisions, etc. Comprehensive is not counted against your insurance record as a chargeable accident. Insurance laws vary from state to state so this is a general description and some minor issues may be different in your state. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.

For comprehensive coverage, you should expect to pay around $850 in Georgia. This is about the average rate in the U.S.

The state of Georgia requires that all drivers carry car insurance, although there are exemptions for specific drivers. Drivers must maintain at least the minimum amount of liability coverage required by law. Every car driven in the state must carry insurance, including rental cars. Certain penalties are applied to individuals who fail to comply with Georgia car insurance laws.Minimum Amount of Coverage in GeorgiaGeorgia requires drivers to maintain insurance policies with at least $25,000 of coverage per person for bodily injury, $50,000 per accident for two or more persons injured and $25,000 for property damage. Drivers renting cars must purchase liability insurance if their current insurance policy or credit card does not cover rental cars. The typical amount paid for rental car insurance is $7 to $14 per day. Georgia motorists are not required to purchase Uninsured/Underinsured Motorist coverage or Personal Injury Protection coverage, although these options can be added to insurance policies for additional coverage.Allowing Policies to LapseGeorgia assesses stiff penalties for drivers who allow their car insurance policies to lapse. The state of Georgia may also suspend your vehicle insurance if your policy lapse. Under Georgia car insurance laws, a lapse in coverage is defined as 10 or more days without continual coverage. Drivers who allow their policies to lapse must pay a $25 lapse fee and a $65 reinstatement fee before being allowed to renew their vehicle registrations. Reinstatement fees increase for multiple lapses in coverage, and drivers can be charged up to $160 as a reinstatement fee.Obtaining Car Insurance in GeorgiaThe state of Georgia allows insurance companies to pull consumers' credit reports when applying for car insurance. Georgia drivers with good driving histories and credit reports may receive lower premiums than drivers with bad credit reports and driving histories. When a driver purchases car insurance, the state of Georgia requires the insurance company to submit policy paperwork to an electronic state database. Certain individuals are exempted from having to obtain car insurance. Drivers who have moved to another state, had a lease that expired on a vehicle or have sold are transferred ownership of their vehicles are not required to maintain car insurance. Drivers of vehicles that are wrecked, junked, salvaged, repossessed or stolen are also exempt for state car insurance laws.

There are several different types of car insurance available in Georgia. These include: collision and comprehensive coverage, to name two.

Although not required by Georgia state law, uninsured motorist protection is a very important part of any car insurance policy. It is estimated that one out of every five cars on Georgia highways and streets are being driven by someone not covered by the mandatory liability insurance. This means that if a driver is struck by another car operated by an uninsured motorist, the cost of the repairs and any medical expenses will have to be taken care of by the victim. Many drivers do not take this chance and purchase UM along with liability insurance.Figuring Out How Much UM Protection To CarryMany insurance providers will suggest a policy containing UM protection in the amount equal to that of the liability coverage. In Georgia the minimum amount of liability coverage drivers must have is $25,000 to cover the costs associated with injuries to an innocent victim, twice this amount to cover the costs of injuries suffered by all non-fault individuals per accident and $25,000 to cover the cost of vehicle and/or property damage. This means that if Person A is involved in an accident caused by Person B and the resulting damage includes $10,000 to Person A's vehicle and $20,000 in medical costs for injuries suffered by Person A, the policy carried by Person B will adequately cover these expenses. However, if Person B is carrying no insurance, Person A will be covered adequately if he or she is carrying UM protection that provides reimbursement at or above these amounts.Adding UM Protection To The PolicyIf liability insurance is purchased in Georgia the addition of UM Protection is rather inexpensive to obtain. The cost is generally not figured on the driver category since he or she will not be at fault in an accident where the coverage would be needed. Every optional coverage purchased by a Georgia resident will usually result in some sort of discount. Drivers who carry a full liability protection policy as well as collision, comprehensive and personal injury protection will pay only a few dollars more for UM coverage that equals the liability insurance minimum.Get Instant Online QuotesDrivers should look at several different offers before purchasing uninsured motorist protection. The driver's current provider may not offer this coverage in the amounts requested or may not be offering a discount. Using a comparison site to check out the quotes by competing insurance companies often yields a good amount of savings for the shopper. In most cases the quotes will very accurate because the driver is already insured and is merely adding UM to the policy. Of course there is also the chance that the very same package currently in force will also be less costly when a new provider is chosen.

Currenty Farmers Insurance offers the lowest rates in Georgia. You can obtain this coverage by contacting a local Farmers agent.

I know of no insurance company in any U.S. sate that will give you full coverage on a salvaged vehicle.

Blue Cross Blue Shield of Georgia is an affiliate of Blue Cross Blue Shield Insurance. They have a wide coverage area in the United States and are known for their medical coverage and insurance.

Dunwoody and Alpharetta both will have temporary automobile insurance in and around Georgia, perfect for your cousin! They have reasonable rates and good coverage.

Everyone must have liability coverage of at least twenty five thousand dollars. Collision coverage is optional. You have to have bodily coverage as well.

If you live in Georgia, and plan to operate a motor vehicle, you will have to obtain car insurance in order to legally drive. Like in most states, car insurance in Georgia can be costly, particularly if you are a young driver or have had past accidents or tickets. You can use three simple strategies to obtain auto insurance at the lowest possible rates.Know Your CoveragesKnowing which coverages you need can help you avoid adding unnecessary coverages to your policy. In Georgia, liability coverage is required by law, and is necessary to protect your finances if you cause an accident that injures others or damages their property. Uninsured motorist coverage is essential for covering your medical expenses if you are hit by someone with no car insurance.Depending on your circumstances, other coverages might not be as important to you. For example, you might not need physical damage, an optional coverage in Georgia, if you drive an older vehicle. Similarly, you might not need accidental death coverage if you already have a life insurance policy. Skipping unnecessary coverage can help you obtain cheaper Georgia car insurance rates.Shop for Multiple QuotesEven though they might offer identical coverages, not all insurance companies in Georgia charge the same rates. You can shop for multiple car insurance quotes online to find the best deal. Most insurance company websites feature quoting engines that can provide you with rates in about five minutes.You can also visit a local Georgia independent agent to obtain rate quotes. An independent agent represents several insurance companies, and can provide multiple quotes to find you the best rates.Keep Your Driving Record CleanKeeping your driving record clean can go a long way toward keeping your car insurance affordable. Insurance companies in Georgia use information from your driver's abstract to determine the rates you will pay for auto insurance coverage. Several minor violations, such as speeding and illegal u-turns, can substantially increase your rates. Likewise, even one accident, or a major violations such as a DUI or reckless operation, can also drastically increase your premiums.

Absolutely! Just as everybody else on the road, you are required to have insurance coverage.

You are required to have a minimum of 25/50/25 auto liability coverage.

The minimum coverage for Georgia is $15000 per person/ $30000 per accident. The recommended coverage, however, is $100000 per person/ $300000 per accident.

Allstate Insurance Company offers automobile insurance to uninsured as well as insured customers. You can call their eight hundred number or check out their website at

You'll need to have $25000 in liability, bodily injury, and property damage coverage before driving in Georgia.

Nation Wide and Farmer's Insurance are both great insurance companies for new drivers in Georgia. Either on of these companies would be great for a new driver.