Since Georgia's liability insurance is one of 15 states that offer compensation for loss of value, you can file a claim by calling the insurance company of the person who caused the damage. Collision coverage pays for physical damage to your car as a result of your car's collision with an object, such as a tree or other car. Your insurance company pays up to the limit specified in your policy for each type of car insurance coverage. Your car is worth less because you had an accident than other similar cars that have never had an accident.
Georgia requires that the insurance provider of the convicted driver's vehicle submit the SR-22 documentation on their behalf. When you have lost a lot, you should work with a Georgia car accident lawyer to help you get a negotiated settlement for your claim. They can also file a claim with their own insurance company and let them seek compensation from the other driver's insurance company. Bodily injury liability insurance covers any injuries you accidentally cause with your car, while property damage liability coverage helps pay for any material assets you damage while driving, such as someone else's car or mailbox.
The state Department of Insurance points out that, while liability insurance is required to drive, there are drivers who ignore the law or, unknowingly, let their coverage expire. The best auto insurance companies in Georgia balance affordability with quality coverage and strong customer service. You can learn more about car insurance, coverage options, and more by reading the Guide to Auto Insurance, written by Georgia Insurance and Fire Safety Commissioner John F. Auto insurance policies may seem overwhelming at first, but once you know some of the basic terms, you'll have a good idea of exactly what certain policies cover.
Georgia auto insurance laws require that all drivers in Georgia have car insurance before they can operate their own cars. If you let someone lend you your car and that person causes an accident in Georgia, bodily injury liability insurance pays for the injuries of the other driver and their passengers. Like most states, Georgia's car insurance laws require that all drivers have a certain amount of car insurance coverage.