Click to CallIn Georgia, the minimum requirement for auto insurance is basic liability coverage of 25/50/25. This includes $25,000 for injuries to the first person injured in an accident, $50,000 for all injuries, and $25,000 for property damage. At Birdsong Agency Inc. in Snellville, GA, we work closely with our customers to ensure they have the best coverage for their needs.
Additional Coverage for Loans or Leases
If you have an auto loan or lease, you’ll be required to carry additional coverage to protect the vehicle. This includes comprehensive and collision coverage.
Why Basic Liability May Not Be Enough
Basic liability coverage may not provide adequate protection if you have substantial assets. Given the high cost of medical treatment, you could be left with a large medical bill to pay out of pocket. If you have significant assets, consider getting an umbrella policy.
The Need for Collision and Comprehensive Coverage
Collision and comprehensive coverage protect your vehicle if it’s damaged in an accident for which you’re responsible or from various non-collision events. Basic insurance may suffice if you can afford to replace your vehicle or manage without it. However, if you rely on your vehicle for daily activities and don’t have a large cash reserve, insurance to repair or replace your vehicle can make a significant difference. Remember, you’ll need to pay a deductible, which you choose when you take out your policy.
Contact Birdsong Agency Inc. in Snellville, GA, to discuss your auto insurance needs with one of our independent insurance agents.
