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Georgia Auto Insurance Coverage

Learn about your coverage options so you can choose the Georgia auto insurance that’s right for your needs, goals and budget.

Georgia car insurance coverage your policy must have

Liability coverage

As a resident of Georgia, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

The minimum amount of auto liability coverage in Georgia is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $25,000 for damage to another person’s property.

Liability coverage also provides for your legal defense expenses if you are sued as a result of a covered accident.

Georgia auto insurance coverage that’s smart to have

Covers damage to your vehicle not caused by collision or upset. Examples include damage or loss resulting from contact with animals, theft, fire, vandalism, glass breakage along with other non-collision related accidents.

Comprehensive

Covers damage to your vehicle not caused by collision or upset. Examples include damage or loss resulting from contact with animals, theft, fire, vandalism, glass breakage along with other non-collision related accidents.

Collision

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Uninsured/underinsured motorist – bodily injury

Helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured. 

Uninsured/underinsured motorist – property damage

Helps pay for property damage to your vehicle that you are legally entitled to from another driver who is not insured or underinsured.

Medical payments

Helps pay necessary expense for medical and funeral services provided to you and your passengers as a result of an accident.

Tailor your policy with these options

Accident Forgiveness

With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.

Roadside Assistance

Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.

Loss of use

If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

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