Business Auto


I'm Justice Brakache aka Mr. Peach explaining what auto insurance covers. I'm here today at one of our 16 locations to do what I do best and that's answer questions for our customers. And by the way I am a licensed insurance agent in the state of Georgia.

Hi there I'm Shemika and I have a question for you. What does auto insurance cover?

Hi there Shemika.

There are several categories of auto insurance, each of which covers a very different aspect of your risk as a driver. Before you drive in the Peach State Georgia, you must have at least the following required minimum coverages on your auto insurance:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $25,000 per person
  • Uninsured Motorist Bodily Injury*: $25,000 per person and $50,000 per accident.
Liability: If you are deemed at fault in a car accident, liability coverage will pay for repairs, medical expenses and for injuries suffered by others in the vehicle, plus other expenses related to the accident such as legal fees. Your liability limits are set at the time you purchase your policy.

There are two parts to liability coverage: bodily injury liability and property damage liability. The limits are the maximum amount that the policy will pay out; anything above the limits of liability would come out of your pocket. Unless you have other insurance to complement the holes in the policy.

I highly recommend adding the following coverage for medical expenses: This coverage pays for injuries that you, or a family member or even anyone else riding in your vehicle may inquire so  you may move forward after the accident, regardless of who is at fault. It also pays for injuries you or your family members may incur while riding in another persons vehicle. So lets say your buddy john takes you to a grocery store he gets in an accident. That's when it will come in also.

You should also add uninsured/underinsured motorist: This coverage pays for injuries and property damage you suffer in an accident when the driver is at fault either is uninsured or does not have enough insurance to cover your injuries. OK now this is very important because if you don’t have enough money to pay for your medical bills they can really stack up. That's the number one thing that I've seen. So in the event of a hit-and-run the driver flees the scene and you can't find him. So you can’t file claim a against him, or that driver’s insurance company.

So just get uninsured under insured coverage that way you can stay so sweet at the Peach. On behalf of Peachstate Insurance, I would like to thank you for the great question and I hope that this helps you have a peachy day.

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What Does Auto Insurance Cover?

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