Do I Need More Than the State Minimum Auto Coverage?

Many drivers opt for the state minimum auto coverage when purchasing auto insurance to save money on premiums. While this meets legal requirements, it may not provide adequate financial support in case of an accident.

What is the Minimum Coverage Required in Georgia?

Georgia requires all drivers to carry proof of financial responsibility, which most drivers satisfy with insurance. To operate a vehicle legally, you must maintain the following minimum liability coverage:

• Bodily injury liability to cover injuries you cause to others

• Property damage liability to cover damage you cause to others’ property

State law enforcement can verify insurance status electronically through the Georgia Electronic Insurance Compliance System during traffic stops. If you’re unable to provide proof of insurance, you could face fines or suspension of your license or vehicle registration.

Why Should I Consider More Than the State Minimum?

Some events lead to significant financial losses that the state minimum may not fully cover. Here are some reasons why you should consider additional coverage:

• Medical costs from accidents may leave you personally responsible for any expenses beyond your policy limits. A single emergency room visit could easily surpass the state minimum.

• Today’s vehicles are more expensive than ever. If you cause an accident that totals someone’s luxury vehicle, you could be sued for the difference.

• State minimum coverage doesn’t financially protect your vehicle from damage or theft. Without comprehensive and collision coverage, you’ll have to pay out of pocket for repairs to your car.

• If you’re involved in an accident with an uninsured driver, minimum coverage won’t help cover your expenses. In such cases, uninsured/underinsured motorist coverage may provide financial support.

Explore Better Coverage Options

The experienced agents at Express Insurance Services can help you learn more about your insurance needs. Contact us today to find ideal coverage at competitive rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.