If you are a driver in the state of Georgia, you need to make sure you have at least liability auto insurance in place because if you do not, you can face penalties.
A liability insurance policy only covers the other driver that you may become involved in an accident with and the other driver’s passengers. This type of policy will cover any injuries or property damage that you cause in an accident that is determined to be your fault and not the fault of the other driver. Along with this type of policy, you may want to obtain underinsured and uninsured auto insurance that will cover your vehicle and your injuries if you become involved in a crash with someone who did not follow the law and does not have at least liability insurance to cover damages to your vehicle and any injuries to you or your passengers.
The auto insurance agents at the Bingham Insurance Group in Braselton GA know and understand the auto insurance requirements of the state of Georgia and can help you obtain the correct policy. There are several other options when it comes to auto insurance that you may be interested in to protect the investment you have made in your vehicle.
Comprehensive Auto Insurance
If you borrowed the money to purchase your vehicle, you may be required to have comprehensive auto insurance. This type of auto insurance will cover any damages to your vehicle if you are involved in an accident, your vehicle is destroyed by a fire, vandalism, or a natural disaster, or it is stolen.
Collision insurance will pay for any damages that you cause in a collision with another vehicle or with some type of object, such as a garage door. For example, if you back into your neighbor’s garage door and cause damage to the door, collision insurance will pay for the damages to the door.
For assistance in determining what type of auto insurance policy is best for you and your situation, contact the agents at the Bingham Insurance Group in Braselton, GA to start your policy or receive a quote.
In Georgia, unless you live in Atlanta, chances are you are going to need to drive a car. Braselton, GA is no exception. You need to drive to get to work, to go shopping, and just do the everyday things that are necessary. When you are driving an automobile, auto insurance is something that you need to consider. You may want to talk to a few different agents to find the best deal, but beyond just the best deal, finding an agent who is knowledgable about Georgia law as it pertains to automobiles is also important. At Bingham Insurance Group in Braselton, GA, we have the experience that you are looking for.
In the state of Georgia as in most states in the union, motorists are required to carry liability insurance to protect other motorists. The mandated amount is 25/50/25. What that means is that you need $25,000 bodily injury coverage per person with a max of $50,000 for each accident and $25,000 for property damage. Given the cost of medical care in the US, you can see that this really is a very basic amount.
Just because this is what you need to have for coverage it doesn’t mean it is what you should have. Expanding the amount of liability that you carry and adding collision and comprehensive coverage is something that is worth consideration. Sitting down with an insurance professional is important and can help you determine the correct amount of coverage for your particular case.
When you are ready to discuss your auto insurance needs the Bingham Insurance Group in Braselton, GA is here to give you the information that you need to make an educated decision. Use our online rating tool to get a free quote or you can give us a call or stop by our office.
Your ride around Braselton, GA can get complicated rather quickly if you lack the auto insurance needed to protect you from financial loss in an accident. Call the agents of Bingham Insurance Group before you find yourself in a bind. Read on to learn about Georgia auto insurance requirements!
Georgia is not a “no-fault” state
The region does not recognize the notion of both parties paying equal amounts in an accident regardless of who is to blame. In Braselton, GA and throughout the state, the driver who is 50 percent to blame is responsible for paying for all bodily injuries and property damage caused by the incident. In addition, you cannot sue someone else involved in an accident if you are majorly to blame for the collision. You, therefore, may find yourself in financial turmoil if you are in an at-fault accident while uninsured.
Georgia minimum requirements
Drivers are required to have at least $25,000 of coverage for bodily injury per person and $50,000 for the same per accident. You must also have $25,000 worth of coverage for property damage per accident.
Of course, satisfying the minimum does not mean that you are immune from lawsuits. You may still find yourself the subject of a legal battle if the damages exceed your policy’s limits. It is for this reason that you should consider buying more than the state minimum requires.
The agents at Bingham Insurance Group can work with your preferences to determine the type of auto insurance plan that works for your life. They have been in the indemnity business for many years and can explain the ins and outs of auto assurance. Contact them today to get started with a quote!