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Understanding Georgia Auto Insurance
Auto insurance is one of those must-have bills in life, that's if you own a car anyway. Depending upon your age, driving record, and who is behind the wheel, auto insurance can make a significant dent in your monthly budget. This makes it important to know what car insurance coverage you really need, and what it all means. Here's some help in easy to understand terminology.
No matter if you have a car loan or it's paid off, auto liability insurance is required in all states. While you need to check what coverage amount is required for your particular state, you should carry at least $25,000/$50,000.
What this means is that your policy would pay up to $25,000 for any one person injured in the event an auto accident was determined to be your fault. Your car insurance policy would also pay a total amount of $50,000 for all injuries if there were more than one person hurt.
Property Damage Liability Insurance
This is the amount that your auto insurance policy will pay for the property damage you caused in the event you were at fault. You can decide on a limit you wish to carry. It could be $25,000 and go up past $250,000.
Property damage liability covers not just damage you may do to another vehicle, but it could also be damage to fixed property such as lamp posts, buildings, (If you happened to run into one) fences, etc.
Here is where your insurance company pays to fix your car when it's damaged by a fire, storm, or vandalism. It also covers you in case someone steals your vehicle. The cost for comprehensive insurance is controlled by the deductible you choose. The higher your deductible, the lower your cost. If your car is financed, you'll be required to carry comprehensive.
This part of your auto insurance policy will pay you for the total damage to your own vehicle when you're determined to be at fault in a covered accident. An important note to keep in mind about collision coverage is that in the event your car is a total loss, the insurance company will pay out what is called the actual cash value. They determine what your car is worth at the time it's destroyed and pay that amount. The problem that this can present for many people is the fact that it may be less than the amount you still owe for the car. In that event you'll have to pay off the difference.
Uninsured And Underinsured Motorist Coverage
It seems that regardless of what the laws require, you're still going to have a group of people who for whatever reason, refuse to carry insurance.
Uninsured motorist will pay for your damages when you're in an accident that isn't your fault and the other party doesn't have any auto insurance, or they don't carry enough. It's very inexpensive to have on your policy, and well worth it.
That's the main car insurance coverage you'll need for any policy. Of course, you can add on other optional coverages as well. Such as rental car, towing, and other options, but that is up to you.
*Borrowed From http://www.associatedcontent.com/article/82600/auto_insurance_for_dummies_pg2.html?cat=27