Does Liability Insurance Cover Car Theft in Georgia?

When your car is stolen in Gainesville, GA, your first thought might be: does my insurance cover this? If you only carry liability coverage, the answer is no.

Liability insurance is required by Georgia law, but it’s limited. While it covers damage you cause to other vehicles or property in an accident, it does not protect against theft or vandalism. Let’s break down what you need to know.

The Shock of Car Theft in Georgia

Imagine walking out of your home in Gainesville or from a trailhead near Lake Lanier, only to find your car is gone. Car theft is more common than many drivers think, and it’s on the rise in parts of Georgia. But will your current auto insurance help you recover your losses?

What Liability Insurance Really Covers

Liability insurance is designed to pay for the other person’s injuries or property damage if you’re at fault in an accident. According to Georgia law, the minimum coverage includes:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 for property damage

This means liability insurance theft coverage in GA doesn’t exist because liability does not pay for your stolen vehicle.

So, How Do You Protect Your Car from Theft?

The protection of your vehicle from theft requires you to have complete auto insurance coverage in Georgia.

Your auto insurance policy with comprehensive coverage will pay for car repairs or replacements when your vehicle suffers damage or theft from:

• Theft
• Vandalism
• Fire
• Weather-related events
• Falling objects

Your comprehensive insurance policy will provide coverage for rental car expenses during the processing of your stolen vehicle claim.

Peace of Mind with Full Coverage

Best Auto Insurance in Gainesville GA offers theft protection auto insurance Georgia drivers trust. Whether you lease or finance your car, or just want peace of mind, our team will help you get the right comprehensive auto insurance Georgia plan that fits your needs and budget.

Don’t wait until your car is gone to ask, does liability insurance cover theft in Georgia? Get the protection you deserve today.

Georgia-Specific Example

The insurance coverage for your car theft at a Gainesville shopping center or vandalism at your apartment complex parking area will only be valid if you have comprehensive coverage. Liability-only drivers will need to pay out of pocket.

FAQs: Does Liability Insurance Cover Theft in Georgia?

Q: Does liability insurance cover stolen cars in Georgia?
A: No. Liability insurance only covers damage you cause to others. It does not cover theft.

Q: What kind of insurance covers car theft in Georgia?
A: Comprehensive coverage is the only policy that covers theft and vandalism.

Q: Is comprehensive coverage required by law in Georgia?
A: No, but it is often required by lenders if you lease or finance your car.

Q: How can I lower the cost of comprehensive insurance?
A: Ask about discounts for safe driving, bundling with renters or homeowners insurance, and installing anti-theft devices.

Q: Where can I get a quote for theft protection auto insurance in Georgia?
A: Contact Best Auto Insurance in Gainesville GA for a free insurance quote.

Contact Best Auto Insurance

Looking for Georgia car insurance theft coverage that gives you confidence on and off the road? Contact Best Auto Insurance in Gainesville, GA today.

Call (770) 532-2878 or request a free quote online. Don’t leave your car unprotected—get comprehensive auto insurance Gainesville GA drivers trust!