Q: What are the legal minimum auto insurance limits required in Georgia?
A: Georgia law requires all drivers to carry a minimum liability coverage structure of 25/50/25 ($25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $25,000 for property damage liability). Carrying only these state minimums leaves you highly exposed to personal lawsuits if you cause a severe accident. Coleman Insurance can design a policy with higher, safer limits to protect your personal assets—call for a quote today.
Q: How does Georgia’s “At-Fault” insurance system work?
A: Georgia operates under a traditional tort (at-fault) system. The driver who is determined to be legally responsible for causing a motor vehicle accident is financially liable for all resulting medical bills, property damage, and pain and suffering. If you are involved in a dispute over fault, having the right coverage is essential. The Coleman Insurance Agency can write comprehensive auto policies that shield you from these unpredictable liabilities.
Q: What is the difference between “Add-On” and “Reduced” Uninsured Motorist coverage in Georgia?
A: Georgia offers two distinct styles of Uninsured Motorist (UM) protection:
-
Add-On (Excess) UM: This coverage stacks directly on top of whatever liability limits the at-fault driver carries.
-
Reduced (Difference in Limits) UM: This coverage drops its payout by the amount of the at-fault driver’s policy limit.
Because Georgia ranks high nationally for uninsured drivers, call for a quote from Coleman Insurance to secure Add-On UM protection.
Q: Can an auto insurance carrier cancel my policy at any time in Georgia?
A: No. Under Georgia Office of Commissioner of Insurance regulations, a carrier can cancel a policy within the first 60 days for almost any underwriting reason. After 60 days, they can only cancel for specific legal triggers like non-payment of premium or a suspended license. If your current policy was suddenly dropped, the Coleman Insurance Agency can write a new policy to prevent a dangerous gap in your coverage.
Q: What notice is an insurer required to give before non-renewing a Georgia auto policy?
A: If an insurance company decides not to renew your personal auto policy in Georgia, they must send you a formal written notice at least 30 days prior to the expiration date of the policy. If you have received a non-renewal notice from your current carrier, don’t wait; call for a quote from Coleman Insurance to seamlessly transition to a reliable carrier.
Q: Does Georgia auto insurance follow the car or the driver?
A: In Georgia, auto insurance generally follows the vehicle, not the person driving it. If you lend your car to a friend and they cause an accident, your comprehensive or liability insurance acts as the primary coverage. To make sure your permissive drivers are fully covered under your specific policy terms, let Coleman Insurance review your guidelines—call for a quote to verify your protection.
Q: What is Medical Payments (MedPay) coverage in Georgia?
A: Medical Payments (MedPay) is an optional coverage built into Georgia auto policies that pays for immediate medical or funeral expenses for you and your passengers after an accident, regardless of who caused it. It features no deductible and pays out before your health insurance kicks in. The Coleman Insurance Agency can write MedPay directly into your personal auto policy for affordable, immediate medical peace of mind.
Q: Are Georgia insurance companies allowed to use credit scores to set auto premiums?
A: Yes. Georgia law permits insurance carriers to utilize an insurance credit score as a variable when calculating auto insurance premiums. A lower credit score can place you into a higher risk tier, elevating your premium costs. Fortunately, Coleman Insurance works with multiple top-rated carriers, meaning we can shop around to find the best rate for your situation—call for a quote to see your options.
Q: How does modified comparative negligence affect auto claims in Georgia?
A: Georgia uses a 50% modified comparative negligence rule. You can recover financial damages from an accident as long as you are less than 50% responsible for causing it, though your payout is reduced by your exact percentage of fault. The Coleman Insurance Agency can write policies with strong physical damage coverage, ensuring your vehicle repairs are taken care of while fault is being legally sorted out.
Q: Does a personal auto policy cover me if I drive for rideshare platforms in Georgia?
A: No. Standard personal auto insurance policies contain strict commercial exclusions that invalidate coverage the moment you log into an app like Uber or Lyft to carry passengers or delivery items. If you are earning money on the road, call for a quote from Coleman Insurance to add a specialized rideshare endorsement or commercial policy to keep you protected.
