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Atlanta Auto Insurance
When choosing an Atlanta auto insurance company, you want one you can trust. Therefore, you must make an informed and wise decision when selecting from the top companies.
Atlanta Auto Insurance Companies
Car accidents can occur anywhere and at any moment. You’ll be prepared in the event of an accident or injury if you have auto insurance coverage, and it won’t break the bank. You must be aware of some critical facts to determine the amount of appropriate coverage for you.
All car insurance policies are designed to cover your vehicle in the event of an accident. However, due to the enormous diversity of vehicles that require coverage and the variable levels of coverage, there are many types of insurance on the market. Many first-time Atlanta auto insurance purchasers are bewildered by the variety, but they’re divided into six categories.
Types of Auto Insurance in Atlanta
Do Law Office can provide additional information, but basically, car insurance companies divide affordable insurance coverage into the following categories. Full coverage insurance combines features of all of them.
- Collision Policy: Pays for damages to your vehicle or a vehicle you’re driving if it collides with another automobile or object or if it overturns up to the coverage level. If you are financing your vehicle, this form of coverage is usually necessary.
- Comprehensive Physical Damage Coverage: Covers damages to your car or any vehicle in your possession caused by events other than a collision.
- Liability coverage pays for another person’s bodily injuries or damages to their car or property for which you are legally accountable. In most states, this sort of insurance is compulsory.
- Medical Payments Coverage: Medical Payments Coverage will pay for your doctor, hospital, and burial bills if you and your passengers are injured or killed in an accident, regardless of who is at fault. If you are hit by a vehicle as a pedestrian, this form of insurance will protect you.
- Uninsured/Underinsured Motorists Coverage: Uninsured Motorist Coverage provides for pain and suffering not covered by medical, disability, or Personal Injury Protection if you are in a hit-and-run accident or an accident with someone who does not have insurance.
- Underinsured Motorist Coverage protects you and your family from bodily injury if the person legally accountable does not have enough insurance.
Whether one of these five types of coverage appears to be the greatest fit for your needs or you require a more customized solution, you need a knowledgeable Atlanta auto accident lawyer.
Georgia Car Insurance Law
Georgia vehicle insurance Laws are strict and require you to have a certain amount of coverage. On the other hand, many drivers may want to consider purchasing additional coverage to guarantee that they are adequately insured. In Georgia, proof of auto insurance is also required, but you can choose some cheap car insurance rates nonetheless. It’s also a good idea to be aware of any other Georgia regulations that may impact the premiums paid to the insurance provider.
It is unlawful to drive without insurance in Georgia. If a law enforcement officer asks for proof of insurance, a driver must supply it. According to Georgia state statutes, a driver who does not have insurance might face the following penalties:
A possibility of a year in prison.
A $25 fine plus a $160 late fee if the fine is not paid within 30 days
Suspension of your driver’s license for 60-90 days
Impoundment of vehicles
Additional fees, such as those to restore your license or plates, are also possible. Worse yet, if you are involved in an accident due to reckless driving and without insurance, you may be held personally liable for any damages. Georgia also verifies insurance information using the Georgia Electronic Insurance Compliance System (GEICS) database. Although you have proof of insurance, it must reflect the details in the database if you are pulled over to separate you from uninsured motorists.
Georgia Car Insurance Requirements
Every driver in Georgia is required to have a specified amount of vehicle insurance coverage. This is for your safety and the safety of other motorists with whom you share the road.
An automobile owner in Georgia is required to have liability insurance needs on his vehicle. Up to the policy limits, this basic coverage pays the medical expenses, property damage expenses, and other costs of motorists, passengers, and pedestrians who are hurt or whose vehicles are damaged in a car accident you cause. Remember, after your policy limits have been reached, you are personally responsible for the remaining balance; thus, more extensive insurance coverage can assist in protecting your personal assets in the event of a catastrophic accident.
If any of your family members drive your car or if you’ve given someone permission to drive it, your liability coverage kicks in. If you were involved in a car accident in Atlanta, you would need a personal injury lawyer to help you receive the compensation that you deserve.
Georgia Minimum Insurance Requirements
Georgia Auto Insurance policy coverage requirements according to Georgia law states that all drivers must have the following minimum auto insurance coverages for their vehicles:
- Liability for bodily harm is $25,000 per person and $50,000 per accident.
- Liability for property destruction is $25,000 per accident.
- Bodily injury liability caused by an uninsured driver: $25,000 per person and $50,000 per accident
- Property damage liability caused by an uninsured motorist: $25,000 with a deductible of $250, $500, or $1000.
This sort of car insurance policy is designed to safeguard your possessions from possible legal action in the case of a car accident. The amounts listed are the maximum compensation paid to the other driver and passengers involved in the accident.
Your insurance agency may recommend higher liability coverage to better protect your financial interests due to escalating healthcare and motor repair costs. If you’re confused about the optimum coverage levels for you, talk to a certified agent about all of your alternatives to help you make well-thought decisions and eventually save money.
Is Car Insurance High in Atlanta?
Car insurance in Atlanta, GA, is substantially more costly than the state’s average prices. The factors that explain why every auto insurance company will charge exorbitant prices in Atlanta include:
- Hazardous and congested streets
- Lack of insurance premium regulations
- High cost of healthcare
- Expensive maintenance
- High number of uninsured Atlanta drivers
However, although Atlanta GA car insurance prices are considerably higher than the national average, they are not as high as some other states. You can receive an affordable car insurance cost based on your age.
Drivers who maintain a clean driving record can search for ways to save money when looking for the cheapest car insurance policy in Atlanta. They can compare car insurance quotes from top car insurance companies when looking for the most appropriate one. In fact, keeping a clean driving record is an effective way to minimize car insurance costs.
Many Atlanta car insurance companies can also offer car insurance discounts for paying in full. The amount you will have to pay may depend on additional factors besides driving record, such as age, marital status, and even credit score.
Of course, Atlanta car insurance rates can increase in case a driver is convicted of a DUI if he or she gets a speeding ticket or makes another traffic violation. Rates can also go up if a driver is at-fault for a car accident.
Although cheap car insurance is desirable, car insurance rates directly correlate to the amount of coverage. The cheapest car insurance is usually liability. A minimum coverage policy is more affordable, but it has limited coverage. A full-coverage policy includes comprehensive and better financial protection in case of an at-fault accident. For example, if you caused an accident and another individual is injured, you will be liable for the amount of their medical expenses that are higher than the state-required minimum.
However, depending on your driving history, you may be able to get cheap auto insurance quotes for a policy that consists of collision coverage, comprehensive coverage, as well as liability. Whether you have bad credit or speeding tickets on your record, Do Law Office can help you compare auto insurance rates for an affordable price.
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