In Macon, GA, liability-only insurance is the most basic form of auto coverage and is typically required by law in most states. It covers the costs associated with damages and injuries you cause to others in an accident where you are at fault. This includes bodily injury liability, which caters to the cost for lost income and medical expenses for those hurt in the accident, and property damage liability, such as damages to vehicles or structures. However, liability insurance does not cover any damage to your own vehicle or injuries you sustain.

Full Coverage Insurance

Full coverage insurance offers more comprehensive protection. It includes liability coverage, as well as additional types of coverage to protect your own vehicle. The two key components are collision and comprehensive coverage. Collision insurance pays for repairs to your vehicle after an accident, regardless of fault, while comprehensive insurance covers non-collision incidents, such as theft, vandalism, fire, or weather-related damage. Full coverage also typically includes uninsured/underinsured motorist protection, which helps cover your expenses if you’re hit by someone without sufficient insurance. This option provides broader financial security but comes with higher premiums.

Choosing the Right Coverage

Deciding on coverage depends on your personal circumstances. Full coverage is usually recommended for newer vehicles or those financed through a lender, as it ensures your car is protected in various situations. However, if you drive an older vehicle with a lower value, liability-only insurance may be more cost-effective, as the cost to replace or repair the car might exceed its worth. The decision should balance your financial situation, vehicle value, and risk tolerance.

O’Mahony Insurance Agency LLC Explains Everything Concerning Insurance

O’Mahony Insurance Agency LLC is here to answer all your insurance questions. We serve Macon, GA, and surrounding cities. Contact us today.

In the state of Georgia, auto insurance is a legal requirement. The cost can vary, with some sources stating it is more expensive compared to other states while others maintain it is less costly. Regardless, all drivers in Georgia are obliged by law to have liability insurance. This safeguards them financially and any other individuals involved in an accident. Insurance is a must if you intend to drive in the Peach Tree State. It is also crucial to be aware of certain other stipulations.

Auto Insurance in Georgia

The State of Georgia mandates a minimum coverage of 25/50/25 for drivers. This split limit bifurcates the available coverage amounts into per-person, per-accident, and property damages. Additionally, Georgia operates as a diminished value state. This indicates that drivers have the right to reclaim diminished value from the at-fault party’s insurance company. Therefore, the requisites include not being at fault for the accident, being supported by appropriate documentation, possessing a vehicle with a market value of over 7,000 dollars, and having a low to average mileage.

Moreover, the vehicle should incur more than $500 in property damage, have a clean title, and be less than ten years old. Failure to provide proof of insurance in Georgia can lead to a $25 fine, which may rise significantly if not paid swiftly. The offender may also face up to a year in jail, a license suspension stretching between 60 to 90 days, or vehicle impoundment.

O’Mahony Insurance Agency LLC, Serving Macon, GA

If you reside in the Macon, GA, area and require auto insurance, please contact O’Mahony Insurance Agency LLC. Our proficient, experienced, and amiable agents will go above and beyond to help you find the policy that is ideally suited for you.