Posted : 02/19/2007
Summary
If you drive in Georgia, you know how crazy it gets out there. Accidents happen, fenders get bent, people get hurt.If you drive in Georgia, you know how crazy it gets out there. Accidents happen, fenders get bent, people get hurt. Or you're innocently parked in your driveway and a tree limb crashes through your windshield. When disaster strikes, auto insurance is there to protect you.
Why buy auto insurance?
1.) Auto insurance protects you against the financial risk
associated with personal injuries and property damage caused by auto accidents,
theft, vandalism, or natural disasters.
2.) Georgia requires you to purchase at least a minimum amount of liability coverage. Other types of auto insurance coverage may be optional or required, depending on state regulations.
3.) If you have a car loan outstanding, you'll generally be
required by the lender to purchase at least a minimum amount of auto insurance.
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Liability coverage
Georgia law requires you to purchase a minimum amount of some or all of the following types of liability coverage:
To adequately protect yourself, you may want to purchase much more than the minimum amount of coverage required for Georgia.
Collision, other-than-collision, and medical payments coverages
Although these types of coverage are optional in most states, it often makes
sense to purchase them, unless you can afford to pay for damages yourself.
And then the insurance company pays for everything, right?
Wouldn't that be nice? But it's not always true. Here are some things you'll
always need to cover yourself:
Driving a good bargain
Many factors affect your auto insurance premiums, including your age, the state in which you live, the make and model of your car, where your car is garaged, and your driving record. Although you can't do much about some of these factors, here are some things you can do to help lower your premiums:
Please note that this description/explanation is intended only as a guideline.
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