As you shop for insurance, you'll probably find that it's helpful to understand key insurance terms as they apply to insurance for your car. One of the best sources of credible information is the Office of Insurance in your State. Georgia's Insurance Department provides basic consumer information so consumers can begin to learn more more about insurance and how it works. The following information is from the Georgia Office of Insurance and Fire Safety Commissioner:

Auto Insurance

"Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses."

Be sure to check with the local Department of Insurance in your State with questions about coverage minimums and others issues that may vary from State to State. Let's take a look at some key definitions for the State of Georgia.

What's Required In Georgia

"Liability insurance, which pays for damage you do to property or other people if you are at fault, is still required.

The basic limits are 25/50/25. The first two figures refer to bodily injury liability limits, which apply when you are held legally liable for injury or death to pedestrians, persons riding in other cars, or guests in your car. The third figure refers to property damage liability, the maximum your insurance company will pay in settling claims against you arising from damage to property of others (such as damage to the other driver's car). Specifically, the numbers 25/50/25 mean coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage.

This is the minimum liability protection  required by Georgia law; higher limits of coverage are available from most insurers. Note that the liability coverages required by law cover only damage the policyholder does to others, or to the property of others.

To pay for damage to your car, you can purchase collision coverage, to cover damage resulting from an accident; or comprehensive insurance, to cover your vehicle for damage from other causes, including fire, theft, glass breakage, vandalism, flood, falling objects, explosion, windstorm, hail, earthquake, riot, or collision with an animal. To cover injuries suffered by you or your passengers in an auto accident, you can purchase Medical Payments coverage in varying amounts."

Coverage That's Right for You

Obviously, there is more you'll need to know about insurance in order to be an informed consumer. For example, many consumers need more coverage than the minimum coverage required by law. That's just one area where your local insurance agency can be of real service. The Gable Agency is available to help you understand more about auto insurance and the various options are that you'll want to consider. We'll be happy to review your present coverage with you if you're already insured or provide new car insurance quotes so you can see how much you can save.

Requesting your free Georgia Auto Insurance Quote takes less than one minute and is the easiest way to learn how you can obtain the coverage you need at a price that's truly affordable. You're invited to request your personalized local GA Auto Insurance Quote online or just call us directly at 770-898-4100. We're ready to help you select and tailor insurance coverage that's just right for your needs.

We welcome the opportunity to be of service.

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