Should I add comprehensive and collision coverage to my Georgia auto insurance policy? What is it anyway?

Gloria

Thank you for your question, Gloria.

Whether or not you add comprehensive and collision coverage to your Georgia auto insurance policy should depend on several factors. Before we cover those, though, let’s first look at what comprehensive and collision coverage are.

• Comprehensive coverage is…

Comprehensive coverage is the kind of coverage that takes care of damages that result from things that aren’t automobile accidents. For example, if you were living in New Orleans at the time of Hurricane Katrina, then any flood damage caused to your car would fall under your comprehensive coverage. This is because comprehensive coverage takes care of damage resulting from natural disasters.

It also takes care of damage that results from criminal activity. For example, if your car is stolen, then it will be replaced if you have comprehensive coverage. If your car is vandalized, then it will be repaired under your comprehensive coverage portion of your insurance policy.

• Collision coverage is…

Collision coverage is like property damage liability, except that instead of being for the person on the other end of your auto insurance accident, collision coverage takes care of damage caused to your own vehicle. This includes repairs if your vehicle is simply damaged, and the actual cash value if your vehicle is totaled.

Collision coverage also applies when you get into an accident that involves your own property. If you’re parked backwards in your driveway, say, and you put your car in reverse instead of drive by accident, and as a result back into your garage, then the damage to your garage and your car will be covered by your collision coverage.

• Why you need them (or don’t)…

Collision and comprehensive coverage can be very useful when you get into an accident or have your car stolen, but not every vehicle needs it. One of the quickest ways to cut the costs on your insurance premium is to drop your extra coverage, after all.

If you have a car that is old and not worth more than a thousand dollars, then you do not need comprehensive and collision auto insurance coverage. You will end up paying more for the coverage than your car is actually worth, and there’s no point in that.

If you are still buying a car, then you are probably required to have comprehensive and collision coverage. If you don’t, then you could end up paying for a vehicle that you no longer have if your car ends up totaled.

Cheers,

Fashun Guadarrama.

What is the minimum liability coverage in Georgia? Thank you.

Fred

Thank you for asking Fred.

Georgia law requires all motorist to purchase the minimum liability coverage of some or all of the following types of the liability coverage. the liability coverage includes :

Bodily injury liability

This would protect your assets if in the even of auto accident you are held liable for the people injured or killed

Property damage liability:

This covers the repairs and the replacement of the car and properties of other people

Uninsured/underinsured coverage:

This covers and insures you of your losses caused by other drivers with little insurance or no insurance at all.

You may also want to purchase more than the minimum amount of coverage required for Georgia to fully protects you. Although this is optional in most states, it makes sense to purchase them unless you can afford to pay for the damages in case of accident.

Collision:

this pays the repair or replacement of your car if its damaged due to accident

comprehensive:

covers all the damages to your car against theft ,flood or vandalism..etc

medical payments or personal injury protection

covers medical expenses that is not covered by your health insurance or your passengers

The best coverage to choose are those which will gets you fully covered and saves you an amount of money. You may call your insurance company to discuss which coverage suits your needs.

Goodluck!

MariCAR

Can I drive a motorcycle without any insurance coverage in Georgia?

Allen

Good question Allen.

The Georgia state laws requires all motorist to maintain a continuous liability insurance coverage on their vehicle to:

1. legally drive the vehicle
2. register and obtain Georgia license plates
3. to replace or renew existing

Georgia license plates non motorized vehicles such as trailers and campers and trailers exempt from registration like bicycle and golf carts do not require insurance coverage in the state of Georgia.

A motorcycle is defined as the motor vehicle that traveling on public streets or highways having a seat or saddle for the use of the rider and is designed to travel on not more than three wheels in contact with the ground, according to the unannotated Georgia Code. The Code also states that no owner of the motorcycle or any other person, other than the self-insurer as defined in Chapter 34 of title 33 of the Georgia Code, shall operate or authorize any person to operate the motorcycle equivalent to that required as evidence of security for bodily injury and property damage liability….any person who violates this subsection shall be guilty of misdemeanor.

This shows that the insurance is needed on our motorcycle in the state of Georgia to be legally allowed on the road.The minimum liability limits in the state of Georgia is 25/50/25. This means that $25000 for the liability injury per person for a total of $50000 of bodily injury per accident and $25000 of property damage liability per accident.

Goodluck!

MariCAR