Auto insurance is required if you plan to drive your car in Woodstock, GA. How much indemnity coverage you need, however, is largely a matter of legalities mixed with lifestyle preferences. The agents at Peter Laczko Insurance Inc. can help you create an auto insurance plan that satisfies Georgia state law as well as your financial needs.
How much insurance is required by law?
Georgia is a “fault” state, which means that the driver determined to be at-fault in an accident must pay for damages related to the event. According to state law, you are required to have at least:
- $25,000 per person ($50,000 per accident) for bodily injury;
- $25,000 per accident to pay for property damage;
- $25,000 per person ($50,000 per accident) for uninsured motorist protection;
Having an auto insurance plan to suffice the state’s requirements is ideal for preventing citation from a law enforcement officer. Such coverage does not, however, remove all legal obligations should your policy not be enough to pay for damages caused in an accident.
How much auto insurance do you need in Woodstock, GA?
The amount of indemnity insurance you need for your car or truck depends on a number of lifestyle factors such as:
- Your possessions. Those who own homes may be more inclined to purchase higher auto insurance to protect their greatest asset in the event of a lawsuit.
- Your driving tendencies. Those who commute to work every day may choose policies that pay more for bodily injury or property damage. Such drivers may also opt for roadside assistance and rental car protection.
- The age of drivers. Teen drivers are more susceptible to accidents, which is why parents may choose higher premiums for more protection. On the other hand, senior drivers who take short distance commutes to the grocery store once a week may purchase insurance that pays less in the event of an incident.
Regardless of whether you drive often or occasionally, you need an insurance plan that satisfies Georgia’s state law while also fitting your lifestyle. Call Peter Laczko Insurance Inc. today to get started with a quote for auto insurance.
