Auto Liability Insurance Quote Forms
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Auto Liability Insurance Information
Auto liability insurance helps pay to repair or replace third-party property damaged in an accident. It also helps pay medical bills resulting from third-party accident-related injuries. Georgia requires that drivers carry a minimum amount of liability coverage. Your agent may also recommend that you purchase additional coverage to help protect your property.
Contact the Bethea Insurance Agency in Atlanta, Georgia, today to build an auto insurance policy tailored to meet your needs.
What Is Liability Car Insurance?
Liability car insurance helps provide financial protection if you are in an at-fault accident causing third-party injuries or property damage.
Who Needs Liability Car Insurance?
Georgia residents who own, finance or lease a vehicle must purchase auto liability insurance. Your agent can help you evaluate your policy to ensure it meets Georgia’s minimum auto liability insurance requirements.
How Much Liability Car Insurance Do I Need?
Each state has rules about the minimum amount of liability car insurance you must purchase. In Georgia, you must carry the following two types of liability insurance:
- Bodily injury liability helps pay for medical bills if you cause an accident that results in third-party injuries.
- Property damage liability helps pay to repair or replace someone else’s property damaged in an accident you cause.
Talk with your agent to understand Georgia’s minimum liability auto insurance requirements.
What Does Liability Car Insurance Cover?
Liability car insurance helps protect you from the negative financial effects of an at-fault accident. It typically covers third-party bodily injuries and property damage.
If you want coverage for your vehicle, consider purchasing full coverage auto insurance, which typically includes the following:
- Collision insurance helps cover damage to the insured vehicle resulting from a collision with an object or another vehicle.
- Comprehensive insurance helps pay the costs of damage to your car for noncollision-related claims, such as hail, theft, fire or hitting an animal.
If you finance or lease your vehicle, your lienholder requires full coverage auto insurance. They may also require gap coverage, which helps cover the “gap” between the payoff amount and the insurance company’s settlement if your car is a total loss after a covered accident.
How Does Liability Car Insurance Work?
Liability auto insurance covers only third-party damage after a covered accident. It does not cover your medical bills or property damage if you are at fault.
If the other driver is at-fault, their liability insurance policy helps pay to repair or replace your property and help cover your medical bills. However, not all drivers have appropriate insurance.
Your agent may recommend adding uninsured/underinsured motorist coverage to your auto insurance policy. If the at-fault driver doesn’t have enough insurance coverage to pay to repair or replace your vehicle and cover your medical bills, this coverage kicks in to help cover those costs.
Contact Bethea Insurance Agency to learn more about your auto insurance options and get a personalized quote.