Insurance Articles

The state requires that drivers maintain a liability policy on all vehicles owned. This type of coverage compensates for damages to other persons and the property of others as a result of a car accident. Georgia auto insurance requirements states that the minimum limits that are required in order to legally operate a vehicle are; $25,000 per person for bodily injury, $50,000 per accident for bodily injury to two or more people and $25,000 for property damage as a result of a collision. Keep in mind that this is the minimal amount that is required and it does not protect the policyholder’s property or cover the injuries that they may have sustained during the incident.

The state of GA. has recently implemented a system which gives them the ability to verify that the vehicle’s policy is active. Insurers are required to electronically notify Georgia’s Department of Revenue of their customers policy status. Authorities are now able to verify if policies have been cancelled. If an automobile is left uninsured for 10 consecutive day, the registration can be suspended a fee will be incurred by the owner in order to receive reinstatement. The car owner must also have valid coverage when the automobile is being reinstated. This system was designed to keep uninsured motorists off of the road and protect Georgia’s residents. Not being properly insured can lead to more hefty expenses, such as a citation if caught operating without protection or the financial burden of having been involved in a collision without being covered.

Car Insurance Companies in Georgia

There are a multitude of policy providers that are available to issue coverage in the state. The tricky part is finding the one that can best fit an individual’s particular needs and at the same time is considered reliable. Yes, we all would like to find the cheapest rate for coverage, but we should consider a company’s customer service as well. Most importantly, the claims department should be able to help customers almost immediately, nobody likes to sit on hold, especially after the tragic event of a traffic accident. Same applies when calling the customer service department to make a change to a policy. Having to wait on hold for more than two minutes when trying to make a simple change of address may be considered unacceptable to many.

While it may be quite impossible to make a run down of companies off the top the head of which insurers to compare, there are many resources available to consumers to help make their quest easier. Proving to be one of the most cost and time efficient ways of locating and comparing potential providers is the internet. This is a great way for shoppers to receive multiple quotes from a wide range of carriers almost instantly. There are websites available that will deliver rate quotes from competitors and let the individual choose who they would like to do business with. Making it one of the most pain free ways to become properly insured at the right price. The Georgia office of insurance has a comparison tool that allows users to get an idea of what they will pay depending on their circumstance and place of residence.