{"id":702,"date":"2022-06-13T15:59:58","date_gmt":"2022-06-13T15:59:58","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=702"},"modified":"2025-04-17T21:58:13","modified_gmt":"2025-04-17T21:58:13","slug":"damage-covered-by-car-insurance","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/damage-covered-by-car-insurance\/","title":{"rendered":"What Type of Damage Should Be Covered Under Your Insurance in Georgia\u00a0"},"content":{"rendered":"
\n
\n
\n \n \"car\n <\/picture>\n
\n
\n

<\/p>\n

Whether you\u2019re driving a car, truck, or motorcycle on the roads in Georgia, it\u2019s a good idea to have vehicle insurance<\/a> in the event of an accident. According to the Georgia Department of Public Health<\/a>, motor vehicle crashes are the leading cause of injury deaths and the second leading cause of hospitalizations and ER visits in the state.<\/p>\n

<\/p>\n

Besides providing coverage for any injuries or deaths from a traffic accident, insurance also helps pay for damages to your vehicle or the other vehicle(s) involved\u2014a potentially significant cost. The Insurance Information Institute estimates that the average property damage car accident claim in 2020 was $4,711.<\/p>\n

<\/p>\n

All drivers are required by Georgia state law to carry at least the minimum liability insurance coverage of $25,000 bodily injury liability per person, $50,000 bodily injury per accident, and $25,000 property damage liability insurance.<\/p>\n

<\/p>\n

Your liability insurance pays for the injuries or damage sustained by other people involved in the accident, not you. But comprehensive and collision insurance offer additional coverage that pays for damages to your vehicle. Although not required by law, comprehensive and collision coverages are a good thing to have if you are ever involved in an accident. Additionally, if you are financing your vehicle, your lender may require you to carry the additional insurance.<\/p>\n

<\/p>\n

What Damage is Covered by Your Liability Insurance?<\/h2>\n

<\/p>\n

Georgia is an at-fault state, which means if you are the one at fault in a traffic accident<\/a>, then you are financially responsible or liable to pay for the damages caused to someone else. Liability insurance, which is required by law, provides coverage to pay for those damages.<\/p>\n

<\/p>\n

Property liability insurance pays for the damages caused to someone else\u2019s personal property. It will pay for damage costs up to the coverage amount of your policy. So if you have the minimum $25,000 property damage liability insurance, your insurance will pay up to $25,000 in damage costs.<\/p>\n

<\/p>\n

Some examples of incidents that would be covered under your property liability insurance include:<\/p>\n

<\/p>\n