Having proper coverage through auto insurance is a reality of owning a car and driving. Some basic knowledge about your state’s specific car insurance laws is also important to avoid fines, tickets, and other inconveniences. The state of Georgia has a few specific requirements that drivers should be aware of. These state laws apply to all drivers in the Woodstock, GA area. 

Liability

All drivers in Georgia must have liability insurance to protect against bodily injury and property damage. Liability is usually included with even the most basic car insurance policies, so as long as the car is insured, it should have sufficient liability coverage for Georgia. This type of coverage is necessary for an insurance company to pay out the costs of damages that can occur because of car accidents. 

Physical Damage to the Car

Damage can occur to your car from things like theft, severe weather, accidents, or a number of other ways. Collision insurance is usually required by the lender of a car loan, but the state does not require driver’s to be insured against damage to their own car. Other damages are covered by a policy usually called comprehensive coverage that covers most things that can happen besides car accidents. If the owner of the car does not have a loan or financing on the car, it is usually their discretion as to the extent of coverage they need to protect their investment in the automobile. 

For any other questions or concerns about car insurance in the Woodstock, GA area, please contact Peter Laczko Insurance Inc. Our agency provides customers with information and personalized policies for all of their driving needs. Peter Laczko Insurance Inc. knows the local laws, and agents can assist with keeping your car insurance and in compliance.