Every motorist in Georgia is required to have auto insurance, whether you are in Gainesville, Oakwood, Cumming or Dawsonville. Craddock Insurance Services is a locally owned agency that works with the nation’s top auto insurance carriers to offer only the best rates and coverage available. Our experienced staff can help you find the policy you need, whether you are shopping for your first auto insurance policy, or are looking to improve your rate and coverage on an existing policy.
Georgia insurance laws requires each driver to have a certain level of liability insurance. Both bodily injury liability and property damage liability are required. These two types of liability protection will cover damages or injuries to others and their property when you are responsible for an accident. Below are the minimum requirements for each type of coverage.
Minimum Auto Insurance Requirements
Bodily Injury Liability: $25,000 per person and $50,000 for multiple people in an accident. Property Damage Liability: $25,000 for a single incident.
There are also many optional coverage types available to Georgia drivers such as collision coverage, comprehensive coverage, uninsured motorist coverage, medical payments coverage, rental car coverage, loan/lease gap coverage, and roadside assistance/towing coverage. Collision and comprehensive coverage are common policy additions as they will protect your vehicle from various types of damage.
Collision coverage will cover damages to your vehicle in the event of a car accident. If you have financed or leased a vehicle it is fairly common for your bank or lender to require some level of collision coverage. Keep in mind is that as older vehicles lose value, collision coverage will begin to lose its value as well. It may not make financial sense to have collision coverage on much older vehicles that have lost a significant amount of their value.
Comprehensive coverage is designed to protect your vehicle from damage caused by something other than an auto accident. This can include vandalism, fire, natural disaster, and other non-collision related damage.
Craddock Insurance Services is committed to helping you choose an affordable policy that meets all of your coverage needs. One way to make auto insurance more affordable is through policy discounts. Most insurance carriers offer discounts for being a good driver, a student, or holding a multi-car policy, but there may be many others that you qualify for. Our staff will make sure we find each and every discount that you are eligible for, saving you the most money on your auto insurance policy.
Contact us today if you have any questions about auto insurance coverage, or to see how much money we can help you save on your existing policy.