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Personal Auto

What is Personal Auto Insurance?

People purchase auto insurance to protect themselves and their families against costs associated with vehicle-related accidents and incidents. Depending on your situation, some types of coverage are optional, while others are required.

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What limits do I need?

Georgia drivers must have liability insurance that meets the minimum limits required by law. 

The minimum limits of liability insurance required in Georgia are:

Bodily Injury Liability – $25,000 per person and $50,000 per incident

Property Damage Liability – $25,000 per incident

Is 'full coverage' a thing?

No. When people talk about "full coverage" car insurance, they're often referring to a combination of coverages that help protect a vehicle (i.e. Comprehensive and Collision). But, there's really no such thing as "full coverage" for your car. 

What is the cost?

Two factors determine what you pay for auto insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk associated with an applicant, group the applicant with other similar risks and decide if the company will accept the application. Based on the results of the underwriting process, the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant’s potential claim.

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