Do I Need Collision Insurance in Georgia?

People who shop for auto insurance in Gainesville, GA frequently ask if they need collision insurance in Georgia. The short answer is—maybe. The decision depends on your vehicle type and your budget and your desired level of protection for your car in case of an accident.

Let’s break it down.

Understanding Collision Coverage in Georgia

Collision insurance provides optional coverage that helps pay for vehicle damage resulting from accidents involving other cars or walls or trees or other objects. The coverage also provides protection in cases of hit-and-run incidents and rollover accidents.

The state of Georgia does not enforce collision coverage as a mandatory requirement but lenders may require it for vehicle owners who lease or finance their cars.

Liability vs. Collision: What’s the Difference?

In Georgia, you must carry liability insurance, which pays for damage you cause to others’ vehicles or property.

The state’s minimum liability coverage is:

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

But here’s the catch: liability doesn’t cover damage to your own car. That’s where collision insurance steps in.

Why Collision Insurance May Be Worth It

Here are 7 reasons to consider collision insurance in Gainesville, GA:

1. Accidents Happen– Even careful drivers experience fender-benders.
2. Repairs Are Expensive– A single airbag can cost $2,000+ to replace.
3. Not Everyone Has Insurance– Georgia has a high number of uninsured drivers.
4. You Might Be At Fault– Accidents don’t always involve another driver.
5. Being Carless is Inconvenient– You might need rental reimbursement coverage while your car is in the shop.
6. Lenders Require It– If you finance or lease, you must carry full coverage.
7. You Can Manage the Cost– Choose your deductible and shop rates with help from independent insurance companies.

Comprehensive vs. Collision Coverage

The collision coverage protects against damages from vehicle accidents yet comprehensive coverage defends against theft and vandalism and fire and storms and falling objects.

The combination of collision and comprehensive coverages gives you complete protection for your vehicle regardless of whether you are operating it or leaving it parked in your driveway.

Frequently Asked Questions About Collision Insurance in Georgia

1. Is collision insurance required by Georgia law?
   The state of Georgia does not enforce collision insurance as a mandatory requirement. The purchase of collision and comprehensive insurance coverage is typically mandatory for vehicle owners who have financing or leasing agreements.
2. What does collision insurance cover?
   The insurance policy provides financial protection for vehicle repairs or replacements after any type of collision accident. The insurance policy provides coverage for vehicle damage that occurs when you strike objects such as poles or guardrails or trees or when your vehicle rolls over.
3. How is collision coverage different from comprehensive coverage?
   The insurance coverage for vehicle collisions exists separately from the coverage for non-collision incidents which includes theft and vandalism and storms and falling objects.
4. Do I need collision insurance on an older car?
   You should consider dropping collision insurance for your older vehicle only if its market value remains low. Before canceling your coverage you should determine if you have enough funds to repair or replace your vehicle.
5. How much does collision insurance cost in Georgia?
   The cost of collision coverage varies depending on your driving history, vehicle type, ZIP code, deductible amount, and more. The average annual cost of full coverage which includes collision and comprehensive insurance in Georgia is $2,500+.
6. Will collision coverage pay if I hit a deer?
   Hitting a deer or any other animal is usually covered by comprehensive insurance, not collision. If you’re worried about wildlife-related accidents, be sure to add comprehensive coverage to your policy.
7. Can I get collision insurance without other coverages?
   Typically, collision coverage is added as part of a full coverage auto insurance policy, which includes liability and often comprehensive coverage. It usually can’t be purchased as a standalone policy.

Is Collision Coverage Right for You?

New cars along with valuable vehicles that are financed require collision coverage because you want to avoid spending thousands on repairs. Although Georgia law does not require collision coverage it can protect your financial stability after an accident.

Expert Help from Best Auto Insurance in Gainesville, GA

Still asking yourself Do I need collision insurance in Georgia? Let Best Auto Insurance in Gainesville, GA help.

We’ll review your current auto insurance in Gainesville GA, explain your options, and find the best deal for your coverage needs.

Get Covered with Confidence

📞 Call us today at (770) 532-2878 or get a free quote online to see what your options are. Let’s make sure you’re covered for whatever comes your way on the road.