Auto insurance is not just a good idea; in many states, including Georgia, it is required by law. Craig-Massee Insurance Agency, the premier provider of car insurance, life insurance, and homeowners insurance in Milledgeville, GA, wants to help you understand the basics of Georgia auto insurance requirements. This independent insurance agency has more than four decades of industry experience and expertise and represents some of the most respected insurance carriers in the country, including Progressive®, Travelers®, and Grange.
Below are the basics of auto insurance as required for Georgia drivers:
- Property Damage Liability: Georgia's DMV requires you to maintain minimum amounts of liability coverage, in case you should be judged at fault in an accident. The required amount of property damage coverage is $25,000 per incident.
- Bodily Injury Liability: In addition, you must maintain bodily injury liability coverage of $25,000 for one injured person and $50,000 for multiple injuries per accident.
- Additional Coverage: You should purchase any additional auto insurance coverage that makes sense for your situation, including collision policies to cover damage to your car during an accident, comprehensive coverage for theft and vandalism, or rental car coverage.
- Proof Of Insurance: While you should carry your Georgia insurance ID in case you need to exchange information with other drivers after an accident, it is not accepted by government agencies or law enforcement officers. Instead, they must verify your compliance through the Georgia Electronic Insurance Compliance System (GEICS). It is your insurer's duty to report your status to the GEICS database.
Craig-Massee Insurance Agency, the most experienced and dependable insurance company in the Milledgeville area, will help you navigate the confusing auto insurance landscape. They offer invaluable advice, quality insurance products, and quick response times to filed claims. Visit the website to learn more, or call (478) 452-3539 to discuss any of your insurance needs with a qualified agent.