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How much car insurance should I buy?

ANSWER: As much as you can.

      Your average driver understands that to drive a vehicle on Georgia roads, you have to purchase the minimum coverage required by law. The minimum amount of coverage under Georgia law is $25,000 per person/$50,000 per occurrence.   For property damage the minimum is $25,000. 

      Some drivers take the term “minimum coverage” quiet literally and only purchase the bare-bones requirement.  What they may not know is that adding further coverage could help protect them if they are injured in an wreck with an uninsured, underinsured, or a hit and run driver.   The next time you review your insurance policy or if you are in the market for a new auto insurance company, keep in mind the different types of insurance and the benefits that they’ll give you.

Uninsured Motorists (UM):

       We all assume that the other drivers on the road are just as responsible as we are and have proper coverage over their vehicles.  Unfortunately, not everyone is as responsible as you or I.  The reality is that you could find yourself hit by an at-fault driver who is uninsured.  UM coverage provides protection not just from at-fault drivers that care absolutely no coverage, but also in the extreme situation of a person hitting you and fleeing the scene of the wreck otherwise known as a “hit and run” driver. 

Underinsured Motorists (UIM):

        UIM coverage provides protection in the event the at-fault driver does not have enough coverage to pay for all of your costs and expenses. The best example of an UIM would be if the at-fault driver carries the absolute bare minimum of $25,000 bodily injury liability, but your medical bills go well beyond that amount.  Thankfully, the difference between your bills and the at-fault driver’s policy would be covered by your UIM policy depending on the limits of your policy. 

        A sufficient amount of UM and UIM coverage to purchase would be for the amounts of $25,000 per person and $50,000 per occurrence.  However, it is always possible to purchase more if you desire.