Understanding Liability Car Insurance in GA

Car insurance is essential for drivers in Georgia. Liability car insurance is one of the most common types of car insurance coverage that people choose in the state. This article will explain what liability car insurance is, how it works, and how to find the best liability car insurance in GA.

What Is Liability Car Insurance?

Liability car insurance is a type of auto insurance that covers the cost of damage that you cause to other people’s property or vehicles during an accident. It also covers any medical expenses incurred by other people who are injured in the accident that you caused.

Having liability car insurance is mandatory in Georgia. Drivers are required to carry a minimum amount of liability car insurance coverage. In Georgia, the minimum liability car insurance coverage that you must carry is:

It’s important to note that these are just the minimum amounts of coverage required by law. You may want to consider purchasing more liability car insurance to protect yourself in case of a more significant accident.

How Does Liability Car Insurance Work?

If you cause an accident and someone is injured or their property is damaged, your liability car insurance coverage will kick in to pay for their expenses. This means that your insurance company will pay for the damages up to the limits of your policy.

For example, if you cause an accident in which someone’s car is damaged, and the damage costs $20,000 to repair, but you only have $15,000 in property damage coverage, then you would be responsible for paying the remaining $5,000 out of pocket.

It’s also important to note that liability car insurance only covers damages that you cause to others. If you are injured or your own property is damaged in an accident, your liability car insurance won’t cover those expenses. You’ll need other types of insurance coverage, such as collision and comprehensive coverage, to cover those costs.

How to Find the Best Liability Car Insurance in GA

When shopping for liability car insurance in Georgia, there are a few things that you should keep in mind. These tips can help you find the best liability car insurance policy for your needs:

Shop around for quotes.

The cost of liability car insurance can vary significantly from one insurance company to another. Be sure to get quotes from multiple insurance providers to compare prices and coverage options.

Consider the level of coverage you need.

It’s important to purchase enough liability car insurance coverage to protect yourself in case of an accident. Consider how much coverage you need based on your assets and savings.

Look for discounts.

Many insurance providers offer discounts on liability car insurance policies. For example, you may be able to get a discount for having a good driving record or for bundling multiple insurance policies with the same provider.

Check the financial stability of the insurance company.

You want to make sure that the insurance company you choose is financially stable and will be able to pay out claims if you need to file a claim.

FAQ – Frequently Asked Questions

What is the difference between liability and full coverage car insurance?

Liability car insurance only covers damages that you cause to other people’s property or vehicles during an accident. Full coverage car insurance, on the other hand, includes liability coverage as well as collision coverage and comprehensive coverage, which can help pay for damages to your own vehicle or property in case of an accident.

What happens if I don’t have liability car insurance in GA?

If you don’t have liability car insurance in Georgia, you can face significant fines and penalties. You may also be held responsible for paying for any damages that you cause during an accident out of pocket.

Do I really need liability car insurance in GA?

Yes, liability car insurance is mandatory in Georgia. It’s important to protect yourself, your assets, and other drivers on the road by carrying the required amount of liability car insurance coverage.

What if the damages from an accident exceed my liability car insurance coverage?

If you are found responsible for causing an accident that results in damages that exceed your liability car insurance coverage, you may be held responsible for paying the difference out of pocket. This is why it’s important to consider purchasing more liability car insurance coverage than the minimum required by law.

Can I change my liability car insurance policy mid-term?

Yes, you can usually make changes to your liability car insurance policy mid-term. However, you may be charged fees or penalties for making changes to your policy before the end of the term.

Conclusion

Liability car insurance is an essential type of auto insurance that every driver in Georgia must carry. It’s important to understand what liability car insurance is, how it works, and how to find the best liability car insurance policy for your needs. Hopefully, this article has provided helpful information on liability car insurance in Georgia.