The different types of auto insurance differ in accordance with each state’s requirements and policies. Everyone should know that there is a minimum limit on auto insurance coverage required by the law of their state and country. Some states in the USA require that drivers must provide proof of insurance whenever they are asked for it while driving.

If a driver is caught without car insurance coverage, a substantial fine may be imposed on him along with his license and vehicle registration being suspended.  In some cases, the offender may be jailed depending on the laws of the state. Below, we will check out the differences in GA auto insurance coverage’s.

Liability Coverage

This coverage does not cover the costs that may result from your property damage in an accident but will pay for the other party’s damage. However, before this cost is covered, it must be proved that you’re at fault in the accident. There must be minimal liability coverage; otherwise, you will not be eligible to legally drive a vehicle in any state in the United States. In addition, this coverage is only effective if you drive your car or a friend’s car, but with his or her permission.

Collision Coverage

The collision coverage is a part of your auto insurance that will pay you for your vehicle repair in case of an accident. This coverage is not mandatory in most states, but in Georgia, it is important you buy it. If you do not have it and your car is damaged in an accident, you will need to pay for repairs by yourself. The only time it is recommended you do not purchase this coverage is if your vehicle has a relatively low cash value.

Comprehensive Coverage

As the name suggests, comprehensive coverage covers all kinds of losses that may arise, but nothing from an auto accident. If your car is damaged by anything else (It could be fire, flood, earthquake, storm or hurricane), you are insured but certainly not damaged by a vehicle. This coverage also covers you when your car is stolen.

Bodily Injury Protection

Bodily injury protection is an auto insurance coverage that helps you pay medical expenses, lost wages and funeral expenses after an accident, regardless of who is at fault. It’s important everyone get this coverage for their own good. The cost of settling accident victims is very high, and that is why personal injury protection is necessary. The medical bill for all passengers involved in an accident (including yours) is fully covered in this coverage. However, this type of coverage is not available in all the states in the USA.

Underinsured/Uninsured Motorist

This is a very important type of coverage. This auto insurance coverage basically covers you from anyone who has no insurance. There are many people who do not have insurance, and if you do not have this coverage, you will have to pay for all the costs when an accident happens. If there is anything else you should add to your auto insurance policy, it is this coverage. This coverage can save you a lot of trouble and money.