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Buying car insurance can be a complicated and confusing task if you have never done it before. You have numerous coverage options, but Georgia law requires you purchase minimum amounts of a certain type. To bring you up to speed on the subject, these sections outline what new drivers need to know about auto insurance.

A New Driver's Guide to Car Insurance

Liability Coverage Is Mandatory

Car insuranceThe Georgia DMV requires drivers to insure their vehicles with at least $25,000 of bodily injury liability coverage per person — to a maximum of $50,000 per accident — and $25,000 of property damage liability. This pays for medical care and repairs if you should injure someone or damage their vehicle or other property in an accident deemed your fault. It also pays for any legal fees arising out of the accident. If you fail to insure your vehicle, you could face fines or loss of driving privileges.

"Full Coverage" Is Not a Technical Term

You may have heard the term "full coverage" used to indicate a fully protected vehicle. The fact is, car insurance companies do not sell anything called "full coverage." It is simply an informal term that means a car is fully protected. The coverage types it refers to are optional and include "collision," which pays to repair your vehicle when you are at fault, and "comprehensive," which covers non-collision damages like fire, flood, vandalism, and theft.

Other, Optional Coverage Types Are Available

Other optional coverages include uninsured or under-insured driver insurance. If you are injured — or if your car suffers damages — caused by a driver who has no insurance or whose limits do not cover the cost of treatment or repairs your uninsured or under-insured motorist coverage picks up the difference so you are not left out of pocket. Also available is roadside assistance coverage, which pays for a tow truck to provide a jumpstart, deliver gas, or unlock your car.

 

For invaluable guidance designing a car insurance policy, contact BestRate Auto Insurance, a trusted agency with locations in Statesboro, GA. They have agents who can assist you in English or Spanish, and they can help even people with dings on their driving records. They also specialize in boat, mobile home, renters, and homeowners insurance. Visit their website to view location details and office hours or call the Statesboro location at (912) 489-5942.

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