Georgia has more than 7 million licensed drivers. What this means is you will likely rarely be alone on the road. Where there are more drivers, there is more danger of accidents. You can’t think about the potential of an accident without considering the type and amount of auto insurance you have and what you may actually need. At Whit Blanchard Insurance Group in Augusta, GA, we have been providing personalized hometown service since 1975.
Basic auto insurance is state-mandated. In Georgia, that amount is 25/50/25. This means that for a single accident, you must have liability insurance for $25,000 per individual, $50,000 per accident, with $25,000 for any property damage that may result. This may sound like a lot of money until you consider what even one day in the hospital can cost. If you have an auto loan or lease, basic insurance will include collision and comprehensive coverage dictated by your lender or lessor.
Basic insurance is enough if you have little or no assets attached in the event of legal action against you. It is enough if you have a vehicle of little or no value. For everyone else, serious thought needs to go into the amount of auto insurance that will protect your assets and the vehicle you count on to get to work every day. Every driver needs to comply with the law, but you want to sleep at night knowing you are protected.
Basic insurance is good for a tiny percentage of the population. Just about everyone else needs more. How much more is something to discuss with your independent insurance agent. In Augusta, GA, the Whit Blanchard Insurance Group has the experience you need to make the right decision. Contact our office for all of your insurance needs.