In general, to legally drive in Georgia, you must purchase a minimum car insurance liability policy. This covers damage you cause in an accident. Known as 25/50/25 coverage, the legal minimum policy is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.
Optional insurance policies available to Georgia drivers include:
- Uninsured or under-insurance motorist insurance (UIM or UM): Georgia car insurance providers must offer UIM. If you do not want this optional coverage, you must decline it in writing. It pays for things like medical and other crash-related expenses when the at-fault driver has no car insurance, or you have exhausted their policy. You may also file a UIM claim with your insurer in cases of hit-and-run.
- Comprehensive: Sometimes called “full coverage,” comprehensive insurance pays for non-collision-related damage to your vehicle like theft, vandalism, or hitting an animal, for example. If you have a loan or lease on your vehicle, you may be required to carry this insurance.
- Collision: In general, this pays for damage to your vehicle in an accident caused by you.
- Medical Payments (MedPay): Regardless of fault, MedPay helps cover medical and related expenses after a crash like ambulance fees, hospital stays, X-rays, professional nursing services, dental procedures, and funeral costs.
- Rental reimbursement: While your vehicle is being repaired, this type of insurance may reimburse you for a rental vehicle or taxi, Uber, Lyft, or another rideshare.
- Roadside assistance: If you break down and have this type of insurance, this policy helps pay for towing and labor.
- GAP coverage: After an accident, a Guaranteed Asset Protection (GAP) policy helps pay the difference between the value of your vehicle and the remainder of the loan.