If you are currently shopping for a new vehicle around Metro Atlanta, you have a lot of factors to consider. You have to consider the price of the vehicle, how long it is going to last, and what the gas mileage is. On the other hand, you also have to think about the price of car insurance. You may think that you are a safe driver. You could think that, because of this, you do not need to protect your vehicle because you are not going to be involved in an accident that is your fault. On the other hand, you don’t have a choice. Car insurance is required by law – in Atlanta and everywhere else.
Driving Without Insurance Is Illegal
You probably know that you need to have a driver’s license to operate a motor vehicle safely. In addition, you also need to have car insurance.
Most importantly, car insurance is required to protect other people, not yourself.
If you are involved in a motor vehicle accident that is your fault and you do not have car insurance, the other driver would have to sue you in order to get the money to fix his or her vehicle. If you do not have that money, the other person is out of luck. That is unfair.
For this reason, you are required to have a car insurance policy that could pay for the cost to fix the vehicle of the other driver. Therefore, you are required to have liability-only insurance coverage, at a minimum. Even though you should probably have a car insurance policy to protect yourself as well, car insurance laws are designed to protect other drivers.
How Much Car Insurance Do You Actually Need?
The amount of car insurance you actually require varies from state-to-state. There are two separate categories of car insurance you need to meet. The first is property damage, which pays to fix the car of the other vehicle if you are in a motor vehicle accident. The second is injury coverage, which pays for the medical expenses of the other person if he or she requires medical care following a motor vehicle accident that is your fault.
Again, you should probably have car insurance to protect yourself as well; however, at a minimum, you have to have a car insurance policy that will protect other drivers against an accident that could be your fault.
Find the Right Atlanta Car Insurance Policy for You
Just as you cannot operate a motor vehicle without a driver’s license, you also cannot operate a motor vehicle here in Atlanta without car insurance. Even though you should certainly protect your vehicle with car insurance, car insurance is required by law to protect the individuals you could potentially hit. If you are not driving with car insurance, that is illegal. Therefore, you need to take the time to compare multiple car insurance policies. That way, you can find the right policy for you and your vehicle. Contact our team of experts today to get started.