{"id":1548,"date":"2024-03-04T21:52:00","date_gmt":"2024-03-04T21:52:00","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=1548"},"modified":"2025-08-22T13:47:40","modified_gmt":"2025-08-22T13:47:40","slug":"7-reasons-you-need-collision-coverage-in-georgia","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/7-reasons-you-need-collision-coverage-in-georgia\/","title":{"rendered":"7 Reasons You Need Collision Coverage in Georgia\u00a0"},"content":{"rendered":"
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Collisions are a surefire way to ruin your sunny Sunday afternoon. Instead of waiting until your car looks more like an accordion than a freshly washed ride to the barbeque across town, chat with a friendly, local <\/span>auto insurance<\/span><\/a> agent about your collision coverage<\/span>\u00a0<\/span><\/p>\n

Why? Well, let\u2019s start with the obvious questions.<\/span>\u00a0<\/span><\/p>\n

What Is Collision Coverage? How Is It Different from Comprehensive Coverage?<\/span><\/b>\u00a0<\/span><\/h2>\n

Comprehensive and collision coverage work together to offer drivers solid financial support when their cars are damaged for any reason. Collision coverage matters when you have an accident behind the wheel, while comprehensive covers every other way your car might be damaged.<\/span>\u00a0<\/span><\/p>\n

If you’re driving in Georgia and get in a fender bender, your collision coverage will have your back. This means that if you hit someone else’s car or damage their property, or even if you accidentally roll your own car, your insurance will have you covered. Your liability will help pay for damages you cause to another person\u2019s property, while collision will help pay for repairs for your own damages.<\/span>\u00a0<\/span><\/p>\n

Comprehensive car insurance in Georgia is a great choice,<\/span><\/a> as well, and handles off-road loss or damage such as car theft, vandalism, getting your vehicle tossed around in a Georgia tornado, or having a tree limb drop on it while your car\u2019s parked in your driveway.<\/span>\u00a0<\/span><\/p>\n

Why Do I Need Collision Coverage?<\/span><\/b>\u00a0<\/span><\/h2>\n

When it comes to the <\/span>types of car insurance in Georgia<\/span><\/a>, it\u2019s cheaper (and legal) to only have liability insurance. The downside is that liability only financially protects others in an accident where you\u2019re at fault. For the damage done to your vehicle, the only choices are to either fix the car out of pocket or don\u2019t fix it.<\/span>\u00a0<\/span><\/p>\n

Now, here are top seven reasons for carrying collision coverage on your auto insurance policy.<\/span>\u00a0<\/span><\/p>\n

1. Driving Is Risky<\/span><\/b>\u00a0<\/span><\/h3>\n

You likely get behind the wheel so frequently that you don\u2019t even think of the risk. That\u2019s true whether you\u2019re dropping the kids off at school, meandering around on a few errands, or driving halfway across the state for work.<\/span>\u00a0<\/span><\/p>\n

Wherever you\u2019re headed in the Peach State or beyond, the risk of anything from a fender bender to a serious accident is always present. You might not be injured, but you could sustain thousands of dollars in damages in the blink of an eye.<\/span>\u00a0<\/span><\/p>\n

2. The Cost of Car Repairs Is Outrageous<\/span><\/b>\u00a0<\/span><\/h3>\n

Let\u2019s consider just one small fact: the cost of repairing a single airbag can be $2,000 or more. If more than one airbag goes off in a simple bump, well, that\u2019s just the opening round in your repair estimate.<\/span>\u00a0<\/span><\/p>\n

Do you have that kind of cash on hand? Few of us do.<\/span>\u00a0<\/span><\/p>\n

If the accident was not your fault, but the other driver has no insurance or not enough, you could be left with maxed-out credit cards to make the repairs.<\/span>\u00a0<\/span><\/p>\n

What if you were the cause of the accident and you\u2019ve got other drivers and property owners sending you bills for damages? Your liability insurance will help pay those bills \u2013 but only up to your policy limits. There won\u2019t be any money to pay for your own repairs.<\/span>\u00a0<\/span><\/p>\n

Collision coverage is the hero to the rescue in both scenarios. Whether your fault or not, you\u2019ll be able to get repairs so you aren\u2019t left without wheels or a maxed out credit card.<\/span>\u00a0<\/span><\/p>\n

3. Other Drivers Maybe Aren\u2019t as Responsible as You<\/span><\/b>\u00a0<\/span><\/h3>\n

Georgia is an at-fault state. That means the driver deemed to be at fault for the collision can turn to their insurance company for help with costs associated with the accident.<\/span>\u00a0<\/span><\/p>\n

Fair enough. But what if the person at fault <\/span>is an uninsured driver<\/span><\/a> or doesn\u2019t carry enough to pay for all damages? What if it\u2019s a hit-and-run driver at fault who\u2019s never found? Uninsured motorist coverage is a good idea, but only collision will kick in even if the accident is your fault.<\/span>\u00a0<\/span><\/p>\n

The point is that not every driver is as responsible as you. In situations where there\u2019s no possibility of a financial settlement from the at-fault driver\u2019s insurance company, your collision coverage will handle the damages. You\u2019re covered even when it\u2019s not your fault.<\/span>\u00a0<\/span><\/p>\n

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4. The Fault Might Be Yours<\/span><\/b>\u00a0<\/span><\/h3>\n

Ouch. The truth hurts, but sometimes you\u2019re the guilty party. Whether you\u2019re in bumper-to-bumper traffic in downtown Atlanta or visiting relatives on unfamiliar roads in Ty Ty, Georgia, you could be the party at fault.<\/span>\u00a0<\/span><\/p>\n

Yes, you could cause an accident without making stupid or irresponsible mistakes. That\u2019s why they are called <\/span>accidents<\/span><\/i>. Whether it\u2019s poor driving in miserable weather, a stressed-out situation in congested city traffic, or a fence post in your blind spot, you\u2019re suddenly in a bad situation.<\/span>\u00a0<\/span><\/p>\n

What will you do if the officer who investigates to <\/span>determine who is at fault in the accident<\/span><\/a> pins the fault on you, and you\u2019re suddenly responsible for thousands of dollars in damages?<\/span>\u00a0<\/span><\/p>\n

The primary purpose of collision coverage in Georgia is to provide vehicle repairs to your auto, even if you are at fault.<\/span>\u00a0<\/span><\/p>\n

5. When Your Ride Is Mothballed, So Is Your Life<\/span><\/b>\u00a0<\/span><\/h3>\n

After an accident involving a wall that wasn\u2019t supposed to be there (or at least that\u2019s your argument), your mechanic gives you an estimate of $3,000 to get your car running again.<\/span>\u00a0<\/span><\/p>\n

It might as well be three million dollars, because you don\u2019t can\u2019t pay that kind of bill out of pocket. Maybe if you save for a few months, but in the meantime, you\u2019re stranded.<\/span>\u00a0<\/span><\/p>\n

If you\u2019re close to public transportation or can walk or ride a bike to most places, you can get by for a while. But how realistic is that? Can you imagine riding your bike in the pouring rain? Face it: you need your vehicle to be in prime running condition as soon as possible.<\/span>\u00a0<\/span><\/p>\n

Your collision coverage will kick in to save the day, but keep in mind you\u2019ll still need to come up with a deductible.<\/span>\u00a0<\/span><\/p>\n

6. Your Collision Coverage Might be Mandatory<\/span><\/b>\u00a0<\/span><\/h3>\n

Do you need collision coverage to satisfy the requirements of the State of Georgia? Nope \u2014 but it might still be mandatory in your case. That\u2019s because many finance companies won\u2019t lend you the money to buy a car unless you have this specific type of insurance.<\/span>\u00a0<\/span><\/p>\n

7. You Can Control the Cost of Collision Coverage<\/span><\/b>\u00a0<\/span><\/h3>\n

Collision coverage costs more than liability, but it offers so much more financial protection. The good news is that you can largely control the cost of the benefit.<\/span>\u00a0<\/span><\/p>\n

Your auto insurance agent can show you how to reduce the cost by taking on a higher deductible or a lower coverage limit. And if you\u2019re dealing with an independent auto insurance agent, they can go shopping for the most affordable coverage from a large selection of insurers.<\/span>\u00a0<\/span><\/p>\n

That\u2019s because independent agents don\u2019t work for just one insurance company. Instead, they contract with several insurers so they can compare rates and bring their customers the best deals in comprehensive and collision coverage.<\/span>\u00a0<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Contact Us for Affordable Auto Coverage of Any Type\u00a0<\/h2>\n\n
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Accidents happen. Sometimes they\u2019re your fault, even when you\u2019ve acted responsibly and have done everything right. That\u2019s why you want to know the answer to the question “What is collision insurance?” <\/span>before <\/span><\/i>accidents happen.<\/span>\u00a0<\/span><\/p>\n

An independent auto insurance agent can help you find the best policies at the lowest costs. You\u2019ll find the agents and the policies you need at Southern Harvest Insurance.<\/span>\u00a0<\/span><\/p>\n

Call us at <\/span>(877) 831-4677<\/span><\/a> to speak with a Georgia-based independent auto insurance agent. You can also <\/span>find a Southern Harvest office near you<\/span><\/a> or get a quick and easy <\/span>car insurance quote online<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n <\/div>\n