In the insurance world, it's not uncommon to hear, "Do I need that coverage?" Well, there's no point beating around the bush — If you're driving in Georgia, you need auto insurance. It's the law. But what's even more important is that a good insurance policy can be the difference between a quick recovery from an accident and being put in financial (and legal) ruin.
The good news is that there are many different kinds of auto policies available. At Belizaire Insurance Agency, we're dedicated to helping you find the one that both meets state requirements and suits your particular needs. Here's what you need to know about auto insurance in Georgia:
As mentioned, auto insurance mandatory for all drivers in Georgia, and getting caught on the road without it can result in hefty fines. Furthermore, every policy must meet specific minimum liability coverage amounts. These include the following:
It's also worth noting that Georgia is not a "no-fault" state, meaning every accident will deem one or more parties liable. If you are deemed at fault or liable, you could be held financially responsible for damages incurred both to your property and that of others.
The truth is that in most cases, the Georgia state-mandated minimum coverage is not sufficient. The right auto policy for you will depend on several factors, such as your driving history and habits, the type of car you own, whether or not you're the only person driving it, etc.
Please feel free to use our online rating tool to get a better idea of your insurance options. We also invite you to get in touch with our team at Belizaire Insurance Agency to discuss your specific needs and learn more about what kind of policy may be the right choice.
While our office is located in Tyrone, GA, we serve all across GA, AL, CT, DE, SC and NC.