It is required by law that all Georgia state automobile owners must have car coverage. In 2003 a policy was enacted that gave the Georgia state police an coverage database which feeds from the Department of auto car security. This database pinpoints vehicles with expired or no coverage. Though the presence of an coverage card is still important in case of Crash, it can not be used as 'proof' of valid coverage.
As Georgians scrambled for coverage, they had to keep one thing in mind: Minimum liability limits. Georgians need a minimum of:
$25,000 per person body injury coverage, $50,000 per occurrence, and $25,000 property damage per occurrence.
The required insurance will cover crashes in which the policy holder is at fault. Georgia functions on a Tort system. This means that when an automobile accident occurs, one party must be found at fault of the accident. The party at fault will pay for all damages through their insurance. The presence of the Tort system will vary depending on the state.
Collision insurance covers the physical damage of the owner's car. Collision insurance is not required by Georgia state law, but it is mandated by most leasing and lending companies. Consumers maybe not see fit to buy collision insurance for an older car, however, because coverage does not typically exceed the value of the car or truck. Comprehensive insurance will protect the vehicle from damages not resulting from an accident, such as theft, flood, fire, animal damages, etc.
Though it is not required, uninsured motorist insurance coverage gives car owners extra security by protecting the owner against charges from damages to automobile and passengers caused by uninsured drivers. If one can afford uninsured motorist insurance coverage, it will certainly lessen the frustration in the unlucky event of such a Crash.
Affordability of insurance can depend on driving record, age, and type of car, and type of insurance. With so many factors to consider, it makes sense to compare quotes online. New car owners in Georgia only have about 20 days to obtain insurance for their vehicle. With limits like these, car owners must act fast in order to receive the most coverage for the least amount of money. Obtaining car insurance can be a costly and complex matter. Technology has made it possible to review and verify one's car insurance online. And thankfully, the web can offer cheap insurance quotes and consumers can research reviews and compare ratings of companies before making any commitments.
As Georgians scrambled for coverage, they had to keep one thing in mind: Minimum liability limits. Georgians need a minimum of:
$25,000 per person body injury coverage, $50,000 per occurrence, and $25,000 property damage per occurrence.
The required insurance will cover crashes in which the policy holder is at fault. Georgia functions on a Tort system. This means that when an automobile accident occurs, one party must be found at fault of the accident. The party at fault will pay for all damages through their insurance. The presence of the Tort system will vary depending on the state.
Collision insurance covers the physical damage of the owner's car. Collision insurance is not required by Georgia state law, but it is mandated by most leasing and lending companies. Consumers maybe not see fit to buy collision insurance for an older car, however, because coverage does not typically exceed the value of the car or truck. Comprehensive insurance will protect the vehicle from damages not resulting from an accident, such as theft, flood, fire, animal damages, etc.
Though it is not required, uninsured motorist insurance coverage gives car owners extra security by protecting the owner against charges from damages to automobile and passengers caused by uninsured drivers. If one can afford uninsured motorist insurance coverage, it will certainly lessen the frustration in the unlucky event of such a Crash.
Affordability of insurance can depend on driving record, age, and type of car, and type of insurance. With so many factors to consider, it makes sense to compare quotes online. New car owners in Georgia only have about 20 days to obtain insurance for their vehicle. With limits like these, car owners must act fast in order to receive the most coverage for the least amount of money. Obtaining car insurance can be a costly and complex matter. Technology has made it possible to review and verify one's car insurance online. And thankfully, the web can offer cheap insurance quotes and consumers can research reviews and compare ratings of companies before making any commitments.
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