The kind of car insurance Decatur GA has is somewhat different than other parts of the country. If you are a native to the State of GA, then this might be old news for you, but for those of you that have moved to this area in the past few years, you might not know about some of these little differences that can make a huge difference once you have had an auto accident.
Auto Insurance Decatur GA is controlled and tightly monitored by the Georgia State Insurance Commission. There are simply no changes to State-approved insurance coverage that are not reviewed and written into law by the Commission and the Legislature. Having said that, let's look at how this might affect you and your auto insurance policy.
Some States allow a vehicle owner to drive without certain types of coverage. As with most other States, GA car insurance is broken down into several different types of insurance coverage. Collision, Comprehensive, Personal Liability, Property Damage, and Uninsured Motorist Coverage, are the most readily recognizable parts of total auto insurance coverage.
For example, Auto Insurance Decatur GA (as in Atlanta and all of Georgia): The required coverage in GA, is bodily injury and property damage liability. The minimum limits are 25/50/25. The first two refer to bodily injury liability, $25000 per person with a limit of $50000 per accident or occurrence. The last $25000 refers to property damage liability, $25000 of property damage coverage per accident or occurrence.
Woefully inadequate in the case of a serious accident. These are the minimums allowed by law, and we normally recommend higher amounts, as you can bet a savvy lawyer for the other party is going to seek more money. Thus he may ask the courts to take your assets and wages.
Interested in learning more about the kinds of car insurance Decatur, GA can offer? Please consider discussing this aspect of your car insurance in detail with one of our agents. This extra coverage costs so very little, but is priceless should you ever need it.
Being prepared for the worst case scenario is worth it. You can always take steps to make sure that you have the right auto insurance coverage. With over 80 years of combined experience, Focus Insurance Group can provide sound options when it comes to car insurance.
From property damage to bodily injury liability, whether you need car insurance or home insurance, our team can help you find the coverage products that best suit your needs and your budget. We have an in-depth understanding of the local insurance scene that can work to your advantage. Our mission is to give our clients the best for less-a goal that has helped many throughout the years we've been in service.