Auto insurance is designed to safeguard you against mishaps on the road. At Commerce Insurance Agency, we can help you determine what kind of auto insurance protection you need. Our auto policies offer several coverage options for Georgia drivers of all ages and lifestyles: liability coverage, personal injury protection (PIP), collision, comprehensive, and uninsured/underinsured (UM) insurance. 

Required Auto Insurance Coverage in Georgia

Georgia requires that drivers have specific auto insurance coverage types in the form of liability and PIP. If you’re found at fault for an accident that results in injuries or property damage to others, liability insurance helps cover these costs. Georgia requires that you have minimum liability coverage, but you may want to purchase more to protect you against serious accidents you may cause.

PIP coverage helps cover your medical expenses if you’re hurt in an accident. Although it isn’t required, uninsured motorist insurance is recommended. It provides extra medical protection for you and your passengers if you’re hit by someone who doesn’t have sufficient insurance to cover your damages.

Optional Auto Coverage

If you’re a new driver or own an expensive vehicle, collision and comprehensive coverage offer essential protection for your investment, even though this coverage isn’t mandatory by law. Collision covers damage to your vehicle from crashes. Comprehensive helps pay for your vehicle repairs if it’s damaged by a falling object, vandalism, or inclement weather. It also pays for your vehicle’s market value if it’s stolen, saving you thousands of dollars in getting your car replaced. If you’ve taken out a new car loan, your lender may require that you purchase collision and comprehensive coverage to protect their monetary investment.

To learn more about auto insurance in Georgia or for help in selecting the policy you need, contact Commerce Insurance Agency in Commerce, GA today.