In order to get a better idea of how Georgia auto insurance works, it is a good option to break it down into parts. If you try to look at it as a whole, then you may feel very lost and overwhelmed. However, considering it in parts will help you better understand the coverage that you are choosing and how it matters to you and your vehicle. There are four parts to auto insurance in GA: liability, collision, comprehensive and extra coverage. Here is a further discussion of each.
Liability is the minimum amount of insurance that is required by Georgia state law. This type of insurance simply pays the expenses of the other driver if you are liable for the accident that led to injury or damage to the car and other driver.
Collision is a basic type of insurance that is designed to help you in the case of an accident. This type of insurance will help to pay for damage to your vehicle or injury to yourself whether you are at fault for the accident or you are not at fault but the other driver is uninsured.
Comprehensive is a type of insurance that is just how it sounds. This coverage is designed to take care of a whole variety of damages, like hail damage or damage from running into a stationary object. Damage that did not come from an accident will most likely fall under comprehensive.
Finally, there are extra coverage policies. These are completely optional, but they could be helpful. Generally, these extra coverages would include towing or roadside assistance.
Of course, there is much more to each of the types of Georgia auto insurance that you will need to know about, but these basics will help you be better prepared to ask the questions you need to in order to get the right coverage for you and your vehicle.