Click to CallUnderstanding Motorcycle Insurance Requirements in Georgia
At the Birdsong Agency LLC, we frequently inform motorcycle owners newly relocated to Snellville, GA, and Gwinett County that Georgia’s legal obligations necessitate more coverage than their previous state.
Georgia’s Higher Minimum Liability Coverage
Principally, Georgia requires a higher minimum liability coverage for motorcycle operators than many states. Bullseye; bodily injury liability insurance of $25,000 per individual and $50,000 per mishap. Besides, your insurance must cater to $25,000 in property damages. This contrast is notable in light of Florida’s lower requirements of just $10,000 in personal injury protection (PIP) and property damage.
Why Comprehensive Coverage Is Significant in Georgia
Motorcycle owners in Georgia are not compelled by the state to have insurance that compensates them for bike damage or theft. This level of protection is accorded when you opt for comprehensive coverage in your policy. However, motorcycle theft coverage is valuable in Georgia, given that the state records higher motorcycle theft rates compared to states with a greater number of motorcycles, such as Ohio and Pennsylvania, and even neighboring states, such as South Carolina and North Carolina. Motorcycles often stolen include "crotch rockets" and sports bikes due to their flashy, expensive appearance. Thefts of Honda, Kawasaki, and Suzuki bikes are observed to increase annually.
Georgia as a Fault-Based Insurance State
Georgia’s fault-based insurance rule means that if you cause an accident, you are liable for all damages incurred, including your own. Hence, comprehensive and collision coverage are essential, or else you’ll shoulder the repair costs independently.
Contact the Birdsong Agency Inc.
For all your motorcycle insurance needs in Snellville and the greater Atlanta region, Birdsong Agency Inc. is more than ready to guide you. Plan your visit today!
