Recommended Georgia Auto Insurance Coverage

Drivers in Georgia are required to have liability insurance coverage in place. There are other types of coverage that are not mandated by law, but are recommended for residents of this state.

Collision and comprehensive insurance coverage pay for damage caused to a driver’s own vehicle. The collision coverage pays out when the damage is caused by an impact with another car or an object, such as a fence, guard rail or a sign post. The comprehensive part of the insurance policy pays for damage caused by other incidents, such as damage caused by flooding, severe weather or an act of vandalism. The comprehensive coverage also pays out if the car is damaged in a fire or is stolen.

If the car is totaled or stolen and not recovered, the insurance company will pay out only for the Blue Book value of the vehicle, less the deductible the customer has chosen. In a case where the car is fully paid for and has lost much of its value, it may not make a lot of sense to keep the collision coverage in place.

Uninsured/underinsured motorist coverage is also recommended for drivers in Georgia. Uninsured motorist protection pays out if the at-fault driver in an accident doesn’t have insurance coverage. The underinsured motorist portion of the insurance policy is used to supplement the at-fault driver’s insurance coverage if it isn’t enough to fully satisfy the claim.