🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 17 (from laksa198)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa017.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical, ml_categories_json AS ml_categories_json, ml_types_json AS ml_types_json, ml_intent_types_json AS ml_intent_types_json, meta_language AS meta_language, attrs_author AS attrs_author, ifNull(toUnixTimestamp(attrs_publish_time), 0) AS attrs_publish_time, ifNull(toUnixTimestamp(attrs_original_publish_time), 0) AS attrs_original_publish_time, ifNull(attrs_is_republished, 0) AS attrs_is_republished, ifNull(attrs_nr_words, 0) AS attrs_nr_words, ifNull(attrs_boilerpipe_nr_words, 0) AS attrs_boilerpipe_nr_words, ifNull(body_ext_links_number, 0) AS body_ext_links_number, ifNull(body_int_links_number, 0) AS body_int_links_number, ifNull(meta_nofollow, 0) AS meta_nofollow, ifNull(meta_noarchive, 0) AS meta_noarchive, ifNull(props_was_rendered, 0) AS props_was_rendered, ifNull(src_redirect, \'\') AS src_redirect, ifNull(download_time_msec, 0) AS download_time_msec, ifNull(download_ttfb_msec, 0) AS download_ttfb_msec, ifNull(download_size, 0) AS download_size FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://oci.georgia.gov/insurance-resources/auto\')), getAhrefsUnparsedNoserviceFromURL(\'https://oci.georgia.gov/insurance-resources/auto\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/oci.georgia.gov\/insurance-resources\/auto","crawl_time":1775823481,"first_indexed_time":1601112351,"http_code":200,"src_unparsed":"gov,georgia!oci,\/insurance-resources\/auto s443","src_root_hash":"11594120116312315817","history_drop_reason":null,"meta_title":"Auto | Office of the Commissioner of Insurance and Safety Fire","meta_descriptions":["Consumer resources regarding auto insurance."],"attrs_boilerpipe_text":"People purchase auto insurance to protect themselves and their families against costs associated with vehicle-related accidents and incidents. Depending on your situation, some types of coverage are optional, while others are required.\nLiability Insurance\nGeorgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you’re ruled at-fault. There are other circumstances where liability coverage can help protect you (e.g., the person alleges you are at fault and makes a claim against you). \nThe minimum limits of liability insurance required under Georgia law are:\nBodily Injury Liability –\n$25,000 per person and $50,000 per incident\nProperty Damage Liability –\n$25,000 per incident\nPhysical Damage Insurance\nPhysical damage insurance helps pay for loss or damage to your own vehicle. There are two types of physical damage insurance:\nComprehensive –\nthis type of physical insurance, also called “other than collision coverage,” covers theft, vandalism and fire-related losses\nCollision –\nthis covers losses associated with vehicle collisions\nGeorgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it. \nAs a policyholder, you are allowed to file a claim under your own Physical Damage coverage even if someone else may have caused the accident.\nUninsured Motorist Insurance\nGeorgia requires all drivers to have Liability Insurance to drive. Unfortunately, there are some drivers who either do not follow the law or may unknowingly allow their coverage to lapse or cancel. These drivers are considered “uninsured.” If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, Uninsured Motorist insurance would protect you.\n10 Things to Know\nTo help you understand the basics of auto insurance and, hopefully, avoid some of the common pitfalls, here are 10 things to keep in mind when purchasing auto insurance.\nHow is Your Insurance Rate Determined?\nTwo factors determine what you pay for auto insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk associated with an applicant, group the applicant with other similar risks and decide if the company will accept the application. Based on the results of the underwriting process, the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant’s potential claim.\nSeveral Factors Will Affect Risk Rating\nYour driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are common factors that can affect the price you will pay for your auto insurance.\n \nAsk Your Agent About Discounts\nDiscounts are awarded because the insurance company sees you as a “better risk.” Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver\/renewal, auto\/home package and dividends. Not all states offer all discounts, so check with your agent to see if you qualify.\n \nTort System vs. No-Fault System\nEach state must implement either a tort system or a no-fault system. The system your state has implemented will determine what kind of insurance is available to you. The three basic coverages sold under the tort system are bodily injury liability insurance, property damage liability insurance and uninsured motorists coverage. In a no-fault state, coverages will vary, but under a no-fault system your insurance company pays you directly for your losses as a result of injuries sustained in an accident, regardless of who is at fault. Check with your state insurance department for questions concerning tort or no-fault state systems.\nCheck Into Optional Coverage\nThe most commonly recognized coverages, in addition to the basic liability package, are collision and comprehensive coverages. Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law. Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional. Other optional coverages include medical payments coverage, rental reimbursement coverage and towing and labor coverage.\n \nWhere to Go for More Information\nInformation is available to consumers from a number of unbiased sources. These sources include public libraries, state insurance departments, online resources, consumer groups and consumer publications. Every state insurance department has personnel available to answer questions regarding auto insurance coverage and many departments publish premium comparisons to make shopping around easier.\nShop Around Before You Buy\nWhen shopping for auto insurance, premium quotations are a useful tool for comparison of different companies’ products. When asking for price quotations, it is crucial that you provide the same information to each agent or company. The agent will usually request the following information: description of your vehicle, its use, your driver’s license number, the number of drivers in your household, the coverages and limits you want.\n \nWhere to Shop\nSearch the Internet for insurance companies and agents in your area. In addition, ask your neighbors, relatives and friends for recommendations on insurance companies and agents. In particular, ask them what kind of claim service they have received from the companies they recommend. Remember to shop around to get the best price and service. You can perform a\nLicense Lookup\non our website to confirm that an insurance company or agent is licensed to sell insurance in the State of Georgia.\nFor Your Protection\nOnce you have selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make certain you get your money’s worth. Before signing an application for any insurance coverage, call you state insurance department and verify that the company and the agent are licensed to do business in your state. It is illegal for unlicensed insurers to sell insurance, and if you buy from an unlicensed insurer, you have no guarantee that the coverage you pay for will ever be honored.\nRead Your Policy Carefully\nYou should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department.\nYou can learn more about auto insurance, coverage options, and more by reading the\nGuide\nfor Automobile Insurance\n \n(PDF, 481.16 KB)\n, authored by Georgia’s Insurance and Safety Fire commissioner, John F. King.","attrs_markdown":"[Skip to main content](https:\/\/oci.georgia.gov\/insurance-resources\/auto#main-content)\n\nAn official website of the State of Georgia. How you know\n\n[English](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n\n[Organizations](https:\/\/georgia.gov\/state-organizations)\n\nThe .gov means it’s official.\n\nLocal, state, and federal government websites often end in .gov. State of Georgia government websites and email systems use “georgia.gov” or “ga.gov” at the end of the address. Before sharing sensitive or personal information, make sure you’re on an official state website.\n\nStill not sure?\n\nCall [1-800-GEORGIA](tel:18004367442) to verify that a website is an official website of the State of Georgia.\n\nSearch\n\nClose\n\nMenu\n\n## Main navigation\n- [Insurance Resources](https:\/\/oci.georgia.gov\/insurance-resources)\n  Subnavigation toggle for Insurance Resources\n  - [Report Complaints & Fraud](https:\/\/oci.georgia.gov\/insurance-resources\/complaints-fraud)\n  - [Home](https:\/\/oci.georgia.gov\/insurance-resources\/home)\n  - [Health](https:\/\/oci.georgia.gov\/insurance-resources\/health)\n  - [Life](https:\/\/oci.georgia.gov\/insurance-resources\/life)\n  - [Auto](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n  - [Annuity](https:\/\/oci.georgia.gov\/insurance-resources\/annuity)\n  - [Business Insurance](https:\/\/oci.georgia.gov\/insurance-resources\/business)\n  - [Insurance & Safety Tips](https:\/\/oci.georgia.gov\/insurance-resources\/insurance-claim-tips)\n  - [Agent\/Company Search](https:\/\/oci.georgia.gov\/insurance-resources\/agent-individual-agency-company-search)\n  - [GeorgiaAccess.gov](https:\/\/georgiaaccess.gov\/)\n- [Regulatory Filings](https:\/\/oci.georgia.gov\/regulatory-filings)\n  Subnavigation toggle for Regulatory Filings\n  - [Captives](https:\/\/oci.georgia.gov\/regulatory-filings\/captives)\n  - [Insurance Product Filings](https:\/\/oci.georgia.gov\/regulatory-filings\/insurance-product-filings)\n  - [Limited Risk Entities](https:\/\/oci.georgia.gov\/regulatory-filings\/limited-risk-entities)\n  - [Premium Tax](https:\/\/oci.georgia.gov\/regulatory-filings\/premium-tax)\n  - [Company Licensing & Renewals](https:\/\/oci.georgia.gov\/regulatory-filings\/company-licensing-renewals)\n- [Agents & Agency Licensing](https:\/\/oci.georgia.gov\/agents-agency-licensing)\n  Subnavigation toggle for Agents & Agency Licensing\n  - [Agent Licensing & Renewals](https:\/\/oci.georgia.gov\/agents-agency-licensing\/agent-licensing-renewals)\n  - [Agency Licensing & Renewals](https:\/\/oci.georgia.gov\/agents-agency-licensing\/agency-licensing-renewals)\n  - [Agent\/Company Search](https:\/\/oci.georgia.gov\/insurance-resources\/agent-individual-agency-company-search)\n  - [Navigators and Georgia Access Specialists](https:\/\/oci.georgia.gov\/agents-agency-licensing\/navigators-licensing-and-renewals)\n  - [Third Party Administrators](https:\/\/oci.georgia.gov\/agents-agency-licensing\/third-party-administrators \"Third Party Administrators and Exempt TPAs\")\n  - [Education Providers, Courses and Instructors](https:\/\/oci.georgia.gov\/agents-agency-licensing\/education-providers-courses-and-instructors)\n  - [Licensed Adjusters, Public Adjusters, Counselors & Surplus Lines Brokers](https:\/\/oci.georgia.gov\/agents-agency-licensing\/licensed-adjusters-public-adjusters-counselors-surplus-lines-brokers)\n  - [Staff Adjusters and Emergency Disaster Adjusters](https:\/\/oci.georgia.gov\/agents-agency-licensing\/staff-adjusters-and-emergency-disaster-adjusters)\n- [Inspections, Permits, & Plans](https:\/\/oci.georgia.gov\/inspections-permits-plans)\n  Subnavigation toggle for Inspections, Permits, & Plans\n  - [Buildings & Fire Suppression Systems](https:\/\/oci.georgia.gov\/inspections-permits-plans\/buildings-fire-suppression-systems)\n  - [Elevators & Escalators](https:\/\/oci.georgia.gov\/inspections-permits-plans\/elevators-escalators)\n  - [Boilers](https:\/\/oci.georgia.gov\/inspections-permits-plans\/boilers-pressure-vessels)\n  - [Amusements & Rides](https:\/\/oci.georgia.gov\/inspections-permits-plans\/amusements-rides)\n  - [Special Hazards](https:\/\/oci.georgia.gov\/inspections-permits-plans\/special-hazards)\n  - [Manufactured Housing](https:\/\/oci.georgia.gov\/inspections-permits-plans\/manufactured-housing)\n  - [Licensed Professionals Search](https:\/\/oci.georgia.gov\/inspections-permits-plans\/licensed-professionals-search)\n  - [Rules and Regulations](https:\/\/oci.georgia.gov\/inspections-permits-plans\/rules-and-regulations)\n- [Safety Fire Reporting & Education](https:\/\/oci.georgia.gov\/safety-fire-reporting-education)\n  Subnavigation toggle for Safety Fire Reporting & Education\n  - [Incident Reporting](https:\/\/oci.georgia.gov\/safety-fire-reporting-education\/incident-reporting)\n  - [Arson Reporting](https:\/\/oci.georgia.gov\/safety-fire-reporting-education\/arson-reporting)\n  - [Safety Fire Education](https:\/\/oci.georgia.gov\/safety-fire-education)\n  - [School Reports](https:\/\/oci.georgia.gov\/safety-fire-reporting-education\/school-reports)\n  - [Healthcare Facilities (CMS)](https:\/\/oci.georgia.gov\/safety-fire-reporting-education\/healthcare-facilities-cms)\n  - [Fire Safety Tips and Events](https:\/\/oci.georgia.gov\/safety-fire-reporting-education\/fire-safety-tips-and-events)\n  - [Caregiver Fire Safety Training](https:\/\/oci.georgia.gov\/safety-fire-reporting-education\/caregiver-training \"Caregiver Resources\")\n  - [ImageTrend](https:\/\/oci.georgia.gov\/safety-fire-reporting-education\/imagetrend)\n\nHeader Utility Narrow\n\n## Search this site\n### Popular searches\n- [Mission Statement](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n- [Organization of the office](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n- [History](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n- [Meeting Requests](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n- [Key Staff](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n- [Duties of the Office](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n- [Event Requests](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n- [Contact](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n\n## Breadcrumb\n- [Home](https:\/\/oci.georgia.gov\/)\n- [Insurance Resources](https:\/\/oci.georgia.gov\/insurance-resources)\n- Auto\n\n## [Insurance Resources](https:\/\/oci.georgia.gov\/insurance-resources)\n- [Report Complaints & Fraud](https:\/\/oci.georgia.gov\/insurance-resources\/complaints-fraud)\n  \n  Subnavigation toggle for Report Complaints & Fraud\n  - [File a Consumer Complaint](https:\/\/oci.georgia.gov\/file-consumer-insurance-complaint)\n  - [Report Fraud](https:\/\/oci.georgia.gov\/report-suspected-fraud)\n  - [Insurance Fraud FAQ](https:\/\/oci.georgia.gov\/insurance-resources\/complaints-fraud\/insurance-fraud-faq)\n- [Home](https:\/\/oci.georgia.gov\/insurance-resources\/home)\n- [Health](https:\/\/oci.georgia.gov\/insurance-resources\/health)\n  \n  Subnavigation toggle for Health\n  - [1332 Waiver](https:\/\/oci.georgia.gov\/insurance-resources\/health\/1332-waiver)\n  - [Discount Health Cards](https:\/\/oci.georgia.gov\/insurance-resources\/health\/discount-health-cards)\n- [Life](https:\/\/oci.georgia.gov\/insurance-resources\/life)\n  \n  Subnavigation toggle for Life\n  - [Life Insurance FAQ](https:\/\/oci.georgia.gov\/insurance-resources\/life\/life-insurance-faq)\n- [Auto](https:\/\/oci.georgia.gov\/insurance-resources\/auto)\n  \n  Subnavigation toggle for Auto\n  - [Auto Claim Tips](https:\/\/oci.georgia.gov\/insurance-resources\/auto\/auto-claim-tips)\n- [Annuity](https:\/\/oci.georgia.gov\/insurance-resources\/annuity)\n  \n  Subnavigation toggle for Annuity\n  - [Annuity Tips](https:\/\/oci.georgia.gov\/insurance-resources\/annuity\/annuity-tips)\n- [Business Insurance](https:\/\/oci.georgia.gov\/insurance-resources\/business)\n  \n  Subnavigation toggle for Business Insurance\n  - [How to Verify Workers Compensation Coverage and Avoid Audit Surprises](https:\/\/oci.georgia.gov\/insurance-resources\/business\/how-verify-workers-compensation-coverage-and-avoid-audit-surprises)\n- [Insurance & Safety Tips](https:\/\/oci.georgia.gov\/insurance-resources\/insurance-claim-tips)\n  \n  Subnavigation toggle for Insurance & Safety Tips\n  - [Safety Tips](https:\/\/oci.georgia.gov\/insurance-resources\/insurance-claim-tips\/safety-tips)\n- [Agent\/Company Search](https:\/\/oci.georgia.gov\/insurance-resources\/agent-individual-agency-company-search)\n- [GeorgiaAccess.gov](https:\/\/georgiaaccess.gov\/)\n\n# Auto Insurance\nPeople purchase auto insurance to protect themselves and their families against costs associated with vehicle-related accidents and incidents. Depending on your situation, some types of coverage are optional, while others are required.\n\n## Liability Insurance\nGeorgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you’re ruled at-fault. There are other circumstances where liability coverage can help protect you (e.g., the person alleges you are at fault and makes a claim against you).\n\nThe minimum limits of liability insurance required under Georgia law are:\n\n- **Bodily Injury Liability –** \\$25,000 per person and \\$50,000 per incident\n- **Property Damage Liability –** \\$25,000 per incident\n## Physical Damage Insurance\nPhysical damage insurance helps pay for loss or damage to your own vehicle. There are two types of physical damage insurance:\n\n- **Comprehensive –** this type of physical insurance, also called “other than collision coverage,” covers theft, vandalism and fire-related losses\n- **Collision –** this covers losses associated with vehicle collisions\n\nGeorgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it.\n\nAs a policyholder, you are allowed to file a claim under your own Physical Damage coverage even if someone else may have caused the accident.\n\n## Uninsured Motorist Insurance\nGeorgia requires all drivers to have Liability Insurance to drive. Unfortunately, there are some drivers who either do not follow the law or may unknowingly allow their coverage to lapse or cancel. These drivers are considered “uninsured.” If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, Uninsured Motorist insurance would protect you.\n\n## 10 Things to Know\nTo help you understand the basics of auto insurance and, hopefully, avoid some of the common pitfalls, here are 10 things to keep in mind when purchasing auto insurance.\n\n10 things to know: auto insurance\n\n- How is Your Insurance Rate Determined?\n  \n  Two factors determine what you pay for auto insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk associated with an applicant, group the applicant with other similar risks and decide if the company will accept the application. Based on the results of the underwriting process, the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant’s potential claim.\n- Several Factors Will Affect Risk Rating\n  \n  Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are common factors that can affect the price you will pay for your auto insurance.\n- Ask Your Agent About Discounts\n  \n  Discounts are awarded because the insurance company sees you as a “better risk.” Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver\/renewal, auto\/home package and dividends. Not all states offer all discounts, so check with your agent to see if you qualify.\n- Tort System vs. No-Fault System\n  \n  Each state must implement either a tort system or a no-fault system. The system your state has implemented will determine what kind of insurance is available to you. The three basic coverages sold under the tort system are bodily injury liability insurance, property damage liability insurance and uninsured motorists coverage. In a no-fault state, coverages will vary, but under a no-fault system your insurance company pays you directly for your losses as a result of injuries sustained in an accident, regardless of who is at fault. Check with your state insurance department for questions concerning tort or no-fault state systems.\n- Check Into Optional Coverage\n  \n  The most commonly recognized coverages, in addition to the basic liability package, are collision and comprehensive coverages. Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law. Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional. Other optional coverages include medical payments coverage, rental reimbursement coverage and towing and labor coverage.\n- Where to Go for More Information\n  \n  Information is available to consumers from a number of unbiased sources. These sources include public libraries, state insurance departments, online resources, consumer groups and consumer publications. Every state insurance department has personnel available to answer questions regarding auto insurance coverage and many departments publish premium comparisons to make shopping around easier.\n- Shop Around Before You Buy\n  \n  When shopping for auto insurance, premium quotations are a useful tool for comparison of different companies’ products. When asking for price quotations, it is crucial that you provide the same information to each agent or company. The agent will usually request the following information: description of your vehicle, its use, your driver’s license number, the number of drivers in your household, the coverages and limits you want.\n- Where to Shop\n  \n  Search the Internet for insurance companies and agents in your area. In addition, ask your neighbors, relatives and friends for recommendations on insurance companies and agents. In particular, ask them what kind of claim service they have received from the companies they recommend. Remember to shop around to get the best price and service. You can perform a [License Lookup](https:\/\/oci.georgia.gov\/insurance-resources\/agent-individual-agency-company-search) on our website to confirm that an insurance company or agent is licensed to sell insurance in the State of Georgia.\n- For Your Protection\n  \n  Once you have selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make certain you get your money’s worth. Before signing an application for any insurance coverage, call you state insurance department and verify that the company and the agent are licensed to do business in your state. It is illegal for unlicensed insurers to sell insurance, and if you buy from an unlicensed insurer, you have no guarantee that the coverage you pay for will ever be honored.\n- Read Your Policy Carefully\n  \n  You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department.\n\nYou can learn more about auto insurance, coverage options, and more by reading the [Guide for Automobile Insurance](https:\/\/oci.georgia.gov\/document\/document\/guide-auto-insurance\/download)  (PDF, 481.16 KB) , authored by Georgia’s Insurance and Safety Fire commissioner, John F. King.\n\nInsurance Complaints\n\n## Insurance Complaints\nIf you have a complaint about your insurance provider or agent, or how a claim is being handled, the Department of Insurance’s Consumer Services Division may be able to help you.\n\n[File a Complaint](https:\/\/oci.georgia.gov\/how-do-i-file-complaint)\n\n[Office *of* *the* Commissioner *of* Insurance *and* Safety Fire](https:\/\/oci.georgia.gov\/ \"Office of the Commissioner of Insurance and Safety Fire\")\n\n- [Facebook page for Office of the Commissioner of Insurance and Safety Fire](https:\/\/www.facebook.com\/georgiadoi\/ \"Facebook page for Office of the Commissioner of Insurance and Safety Fire\")\n- [X (Twitter) page for Office of the Commissioner of Insurance and Safety Fire](https:\/\/x.com\/GA_DOI \"X (Twitter) page for Office of the Commissioner of Insurance and Safety Fire\")\n- [Linkedin page for Office of the Commissioner of Insurance and Safety Fire](https:\/\/www.linkedin.com\/company\/georgiadoi \"Linkedin page for Office of the Commissioner of Insurance and Safety Fire\")\n- [YouTube page for Office of the Commissioner of Insurance and Safety Fire](https:\/\/www.youtube.com\/watch?v=InQbgM_F9sc&amp;feature=youtu.be \"YouTube page for Office of the Commissioner of Insurance and Safety Fire\")\n\n## How can we help?\n- ### Call Us\n  **Primary:** [(404) 656-2070](tel:+1-404-656-2070)\n  \n  **Toll-Free:** [(800) 656-2298](tel:+1-800-656-2298)\n- ### Visit\n  2 Martin Luther King Jr. Dr. West Tower, Suite 702   \n  Atlanta, GA 30334 US\n- ### Hours\n  - Monday to Friday,\n    08:00 a.m. - 05:00 p.m.\n  \n  Eastern Time Zone\n\n## About Us\n- [About Us](https:\/\/oci.georgia.gov\/about-us)\n- [Careers](https:\/\/oci.georgia.gov\/about-us\/careers)\n- [Contact Us](https:\/\/oci.georgia.gov\/about-us\/contact-us)\n- [Newsroom](https:\/\/oci.georgia.gov\/press-releases)\n\n- [© Georgia.gov](https:\/\/georgia.gov\/)\n- [Accessibility](https:\/\/georgia.gov\/accessibility)\n- [Privacy\/Security](https:\/\/georgia.gov\/privacysecurity)\n- Website powered by [GovHub](https:\/\/gta.georgia.gov\/powered-by-govhub)\n- [Human Trafficking Notice](https:\/\/gbi.georgia.gov\/human-trafficking-notice)\n- [Georgia Web Analytics](https:\/\/analytics.georgia.gov\/?utm_source=govhub&utm_medium=link&utm_campaign=govhub-footer)","attrs_readable_markdown":"People purchase auto insurance to protect themselves and their families against costs associated with vehicle-related accidents and incidents. Depending on your situation, some types of coverage are optional, while others are required.\n\n## Liability Insurance\nGeorgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you’re ruled at-fault. There are other circumstances where liability coverage can help protect you (e.g., the person alleges you are at fault and makes a claim against you).\n\nThe minimum limits of liability insurance required under Georgia law are:\n\n- **Bodily Injury Liability –** \\$25,000 per person and \\$50,000 per incident\n- **Property Damage Liability –** \\$25,000 per incident\n## Physical Damage Insurance\nPhysical damage insurance helps pay for loss or damage to your own vehicle. There are two types of physical damage insurance:\n\n- **Comprehensive –** this type of physical insurance, also called “other than collision coverage,” covers theft, vandalism and fire-related losses\n- **Collision –** this covers losses associated with vehicle collisions\n\nGeorgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it.\n\nAs a policyholder, you are allowed to file a claim under your own Physical Damage coverage even if someone else may have caused the accident.\n\n## Uninsured Motorist Insurance\nGeorgia requires all drivers to have Liability Insurance to drive. Unfortunately, there are some drivers who either do not follow the law or may unknowingly allow their coverage to lapse or cancel. These drivers are considered “uninsured.” If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, Uninsured Motorist insurance would protect you.\n\n## 10 Things to Know\nTo help you understand the basics of auto insurance and, hopefully, avoid some of the common pitfalls, here are 10 things to keep in mind when purchasing auto insurance.\n\n- How is Your Insurance Rate Determined?\n  \n  Two factors determine what you pay for auto insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk associated with an applicant, group the applicant with other similar risks and decide if the company will accept the application. Based on the results of the underwriting process, the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant’s potential claim.\n- Several Factors Will Affect Risk Rating\n  \n  Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are common factors that can affect the price you will pay for your auto insurance.\n- Ask Your Agent About Discounts\n  \n  Discounts are awarded because the insurance company sees you as a “better risk.” Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver\/renewal, auto\/home package and dividends. Not all states offer all discounts, so check with your agent to see if you qualify.\n- Tort System vs. No-Fault System\n  \n  Each state must implement either a tort system or a no-fault system. The system your state has implemented will determine what kind of insurance is available to you. The three basic coverages sold under the tort system are bodily injury liability insurance, property damage liability insurance and uninsured motorists coverage. In a no-fault state, coverages will vary, but under a no-fault system your insurance company pays you directly for your losses as a result of injuries sustained in an accident, regardless of who is at fault. Check with your state insurance department for questions concerning tort or no-fault state systems.\n- Check Into Optional Coverage\n  \n  The most commonly recognized coverages, in addition to the basic liability package, are collision and comprehensive coverages. Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law. Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional. Other optional coverages include medical payments coverage, rental reimbursement coverage and towing and labor coverage.\n- Where to Go for More Information\n  \n  Information is available to consumers from a number of unbiased sources. These sources include public libraries, state insurance departments, online resources, consumer groups and consumer publications. Every state insurance department has personnel available to answer questions regarding auto insurance coverage and many departments publish premium comparisons to make shopping around easier.\n- Shop Around Before You Buy\n  \n  When shopping for auto insurance, premium quotations are a useful tool for comparison of different companies’ products. When asking for price quotations, it is crucial that you provide the same information to each agent or company. The agent will usually request the following information: description of your vehicle, its use, your driver’s license number, the number of drivers in your household, the coverages and limits you want.\n- Where to Shop\n  \n  Search the Internet for insurance companies and agents in your area. In addition, ask your neighbors, relatives and friends for recommendations on insurance companies and agents. In particular, ask them what kind of claim service they have received from the companies they recommend. Remember to shop around to get the best price and service. You can perform a [License Lookup](https:\/\/oci.georgia.gov\/insurance-resources\/agent-individual-agency-company-search) on our website to confirm that an insurance company or agent is licensed to sell insurance in the State of Georgia.\n- For Your Protection\n  \n  Once you have selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make certain you get your money’s worth. Before signing an application for any insurance coverage, call you state insurance department and verify that the company and the agent are licensed to do business in your state. It is illegal for unlicensed insurers to sell insurance, and if you buy from an unlicensed insurer, you have no guarantee that the coverage you pay for will ever be honored.\n- Read Your Policy Carefully\n  \n  You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department.\n\nYou can learn more about auto insurance, coverage options, and more by reading the     [Guide for Automobile Insurance](https:\/\/oci.georgia.gov\/document\/document\/guide-auto-insurance\/download)  (PDF, 481.16 KB)   , authored by Georgia’s Insurance and Safety Fire commissioner, John F. King.","meta_canonical":null,"ml_categories_json":"{\"\/Finance\":845,\"\/Finance\/Insurance\":845,\"\/Finance\/Insurance\/Vehicle_Insurance\":842,\"\/Law_and_Government\":153}","ml_types_json":"{\"\/Core_Page\":756,\"\/Core_Page\/Services_Page\":667}","ml_intent_types_json":"{\"Informational\":999}","meta_language":"en","attrs_author":null,"attrs_publish_time":0,"attrs_original_publish_time":1601112351,"attrs_is_republished":0,"attrs_nr_words":"1750","attrs_boilerpipe_nr_words":"1181","body_ext_links_number":5,"body_int_links_number":67,"meta_nofollow":0,"meta_noarchive":0,"props_was_rendered":0,"src_redirect":"","download_time_msec":190,"download_ttfb_msec":159,"download_size":57345}

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People purchase auto insurance to protect themselves and their families against costs associated with vehicle-related accidents and incidents. Depending on your situation, some types of coverage are optional, while others are required. Liability Insurance Georgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you’re ruled at-fault. There are other circumstances where liability coverage can help protect you (e.g., the person alleges you are at fault and makes a claim against you). The minimum limits of liability insurance required under Georgia law are: Bodily Injury Liability – $25,000 per person and $50,000 per incident Property Damage Liability – $25,000 per incident Physical Damage Insurance Physical damage insurance helps pay for loss or damage to your own vehicle. There are two types of physical damage insurance: Comprehensive – this type of physical insurance, also called “other than collision coverage,” covers theft, vandalism and fire-related losses Collision – this covers losses associated with vehicle collisions Georgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it. As a policyholder, you are allowed to file a claim under your own Physical Damage coverage even if someone else may have caused the accident. Uninsured Motorist Insurance Georgia requires all drivers to have Liability Insurance to drive. Unfortunately, there are some drivers who either do not follow the law or may unknowingly allow their coverage to lapse or cancel. These drivers are considered “uninsured.” If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, Uninsured Motorist insurance would protect you. 10 Things to Know To help you understand the basics of auto insurance and, hopefully, avoid some of the common pitfalls, here are 10 things to keep in mind when purchasing auto insurance. How is Your Insurance Rate Determined? Two factors determine what you pay for auto insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk associated with an applicant, group the applicant with other similar risks and decide if the company will accept the application. Based on the results of the underwriting process, the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant’s potential claim. Several Factors Will Affect Risk Rating Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are common factors that can affect the price you will pay for your auto insurance. Ask Your Agent About Discounts Discounts are awarded because the insurance company sees you as a “better risk.” Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, auto/home package and dividends. Not all states offer all discounts, so check with your agent to see if you qualify. Tort System vs. No-Fault System Each state must implement either a tort system or a no-fault system. The system your state has implemented will determine what kind of insurance is available to you. The three basic coverages sold under the tort system are bodily injury liability insurance, property damage liability insurance and uninsured motorists coverage. In a no-fault state, coverages will vary, but under a no-fault system your insurance company pays you directly for your losses as a result of injuries sustained in an accident, regardless of who is at fault. Check with your state insurance department for questions concerning tort or no-fault state systems. Check Into Optional Coverage The most commonly recognized coverages, in addition to the basic liability package, are collision and comprehensive coverages. Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law. Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional. Other optional coverages include medical payments coverage, rental reimbursement coverage and towing and labor coverage. Where to Go for More Information Information is available to consumers from a number of unbiased sources. These sources include public libraries, state insurance departments, online resources, consumer groups and consumer publications. Every state insurance department has personnel available to answer questions regarding auto insurance coverage and many departments publish premium comparisons to make shopping around easier. Shop Around Before You Buy When shopping for auto insurance, premium quotations are a useful tool for comparison of different companies’ products. When asking for price quotations, it is crucial that you provide the same information to each agent or company. The agent will usually request the following information: description of your vehicle, its use, your driver’s license number, the number of drivers in your household, the coverages and limits you want. Where to Shop Search the Internet for insurance companies and agents in your area. In addition, ask your neighbors, relatives and friends for recommendations on insurance companies and agents. In particular, ask them what kind of claim service they have received from the companies they recommend. Remember to shop around to get the best price and service. You can perform a License Lookup on our website to confirm that an insurance company or agent is licensed to sell insurance in the State of Georgia. For Your Protection Once you have selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make certain you get your money’s worth. Before signing an application for any insurance coverage, call you state insurance department and verify that the company and the agent are licensed to do business in your state. It is illegal for unlicensed insurers to sell insurance, and if you buy from an unlicensed insurer, you have no guarantee that the coverage you pay for will ever be honored. Read Your Policy Carefully You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department. You can learn more about auto insurance, coverage options, and more by reading the Guide for Automobile Insurance (PDF, 481.16 KB) , authored by Georgia’s Insurance and Safety Fire commissioner, John F. King.

Markdown

[Skip to main content](https://oci.georgia.gov/insurance-resources/auto#main-content) An official website of the State of Georgia. How you know [English](https://oci.georgia.gov/insurance-resources/auto) [Organizations](https://georgia.gov/state-organizations) The .gov means it’s official. Local, state, and federal government websites often end in .gov. State of Georgia government websites and email systems use “georgia.gov” or “ga.gov” at the end of the address. Before sharing sensitive or personal information, make sure you’re on an official state website. Still not sure? Call [1-800-GEORGIA](tel:18004367442) to verify that a website is an official website of the State of Georgia. 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[GeorgiaAccess.gov](https://georgiaaccess.gov/) # Auto Insurance People purchase auto insurance to protect themselves and their families against costs associated with vehicle-related accidents and incidents. Depending on your situation, some types of coverage are optional, while others are required. ## Liability Insurance Georgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you’re ruled at-fault. There are other circumstances where liability coverage can help protect you (e.g., the person alleges you are at fault and makes a claim against you). The minimum limits of liability insurance required under Georgia law are: - **Bodily Injury Liability –** \$25,000 per person and \$50,000 per incident - **Property Damage Liability –** \$25,000 per incident ## Physical Damage Insurance Physical damage insurance helps pay for loss or damage to your own vehicle. There are two types of physical damage insurance: - **Comprehensive –** this type of physical insurance, also called “other than collision coverage,” covers theft, vandalism and fire-related losses - **Collision –** this covers losses associated with vehicle collisions Georgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it. As a policyholder, you are allowed to file a claim under your own Physical Damage coverage even if someone else may have caused the accident. ## Uninsured Motorist Insurance Georgia requires all drivers to have Liability Insurance to drive. Unfortunately, there are some drivers who either do not follow the law or may unknowingly allow their coverage to lapse or cancel. These drivers are considered “uninsured.” If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, Uninsured Motorist insurance would protect you. ## 10 Things to Know To help you understand the basics of auto insurance and, hopefully, avoid some of the common pitfalls, here are 10 things to keep in mind when purchasing auto insurance. 10 things to know: auto insurance - How is Your Insurance Rate Determined? Two factors determine what you pay for auto insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk associated with an applicant, group the applicant with other similar risks and decide if the company will accept the application. Based on the results of the underwriting process, the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant’s potential claim. - Several Factors Will Affect Risk Rating Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are common factors that can affect the price you will pay for your auto insurance. - Ask Your Agent About Discounts Discounts are awarded because the insurance company sees you as a “better risk.” Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, auto/home package and dividends. Not all states offer all discounts, so check with your agent to see if you qualify. - Tort System vs. No-Fault System Each state must implement either a tort system or a no-fault system. The system your state has implemented will determine what kind of insurance is available to you. The three basic coverages sold under the tort system are bodily injury liability insurance, property damage liability insurance and uninsured motorists coverage. In a no-fault state, coverages will vary, but under a no-fault system your insurance company pays you directly for your losses as a result of injuries sustained in an accident, regardless of who is at fault. Check with your state insurance department for questions concerning tort or no-fault state systems. - Check Into Optional Coverage The most commonly recognized coverages, in addition to the basic liability package, are collision and comprehensive coverages. Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law. Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional. Other optional coverages include medical payments coverage, rental reimbursement coverage and towing and labor coverage. - Where to Go for More Information Information is available to consumers from a number of unbiased sources. These sources include public libraries, state insurance departments, online resources, consumer groups and consumer publications. Every state insurance department has personnel available to answer questions regarding auto insurance coverage and many departments publish premium comparisons to make shopping around easier. - Shop Around Before You Buy When shopping for auto insurance, premium quotations are a useful tool for comparison of different companies’ products. When asking for price quotations, it is crucial that you provide the same information to each agent or company. The agent will usually request the following information: description of your vehicle, its use, your driver’s license number, the number of drivers in your household, the coverages and limits you want. - Where to Shop Search the Internet for insurance companies and agents in your area. In addition, ask your neighbors, relatives and friends for recommendations on insurance companies and agents. In particular, ask them what kind of claim service they have received from the companies they recommend. Remember to shop around to get the best price and service. You can perform a [License Lookup](https://oci.georgia.gov/insurance-resources/agent-individual-agency-company-search) on our website to confirm that an insurance company or agent is licensed to sell insurance in the State of Georgia. - For Your Protection Once you have selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make certain you get your money’s worth. Before signing an application for any insurance coverage, call you state insurance department and verify that the company and the agent are licensed to do business in your state. It is illegal for unlicensed insurers to sell insurance, and if you buy from an unlicensed insurer, you have no guarantee that the coverage you pay for will ever be honored. - Read Your Policy Carefully You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department. You can learn more about auto insurance, coverage options, and more by reading the [Guide for Automobile Insurance](https://oci.georgia.gov/document/document/guide-auto-insurance/download) (PDF, 481.16 KB) , authored by Georgia’s Insurance and Safety Fire commissioner, John F. King. Insurance Complaints ## Insurance Complaints If you have a complaint about your insurance provider or agent, or how a claim is being handled, the Department of Insurance’s Consumer Services Division may be able to help you. [File a Complaint](https://oci.georgia.gov/how-do-i-file-complaint) [Office *of* *the* Commissioner *of* Insurance *and* Safety Fire](https://oci.georgia.gov/ "Office of the Commissioner of Insurance and Safety Fire") - [Facebook page for Office of the Commissioner of Insurance and Safety Fire](https://www.facebook.com/georgiadoi/ "Facebook page for Office of the Commissioner of Insurance and Safety Fire") - [X (Twitter) page for Office of the Commissioner of Insurance and Safety Fire](https://x.com/GA_DOI "X (Twitter) page for Office of the Commissioner of Insurance and Safety Fire") - [Linkedin page for Office of the Commissioner of Insurance and Safety Fire](https://www.linkedin.com/company/georgiadoi "Linkedin page for Office of the Commissioner of Insurance and Safety Fire") - [YouTube page for Office of the Commissioner of Insurance and Safety Fire](https://www.youtube.com/watch?v=InQbgM_F9sc&feature=youtu.be "YouTube page for Office of the Commissioner of Insurance and Safety Fire") ## How can we help? - ### Call Us **Primary:** [(404) 656-2070](tel:+1-404-656-2070) **Toll-Free:** [(800) 656-2298](tel:+1-800-656-2298) - ### Visit 2 Martin Luther King Jr. Dr. West Tower, Suite 702 Atlanta, GA 30334 US - ### Hours - Monday to Friday, 08:00 a.m. - 05:00 p.m. Eastern Time Zone ## About Us - [About Us](https://oci.georgia.gov/about-us) - [Careers](https://oci.georgia.gov/about-us/careers) - [Contact Us](https://oci.georgia.gov/about-us/contact-us) - [Newsroom](https://oci.georgia.gov/press-releases) - [© Georgia.gov](https://georgia.gov/) - [Accessibility](https://georgia.gov/accessibility) - [Privacy/Security](https://georgia.gov/privacysecurity) - Website powered by [GovHub](https://gta.georgia.gov/powered-by-govhub) - [Human Trafficking Notice](https://gbi.georgia.gov/human-trafficking-notice) - [Georgia Web Analytics](https://analytics.georgia.gov/?utm_source=govhub&utm_medium=link&utm_campaign=govhub-footer)

Readable Markdown

People purchase auto insurance to protect themselves and their families against costs associated with vehicle-related accidents and incidents. Depending on your situation, some types of coverage are optional, while others are required. ## Liability Insurance Georgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you’re ruled at-fault. There are other circumstances where liability coverage can help protect you (e.g., the person alleges you are at fault and makes a claim against you). The minimum limits of liability insurance required under Georgia law are: - **Bodily Injury Liability –** \$25,000 per person and \$50,000 per incident - **Property Damage Liability –** \$25,000 per incident ## Physical Damage Insurance Physical damage insurance helps pay for loss or damage to your own vehicle. There are two types of physical damage insurance: - **Comprehensive –** this type of physical insurance, also called “other than collision coverage,” covers theft, vandalism and fire-related losses - **Collision –** this covers losses associated with vehicle collisions Georgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it. As a policyholder, you are allowed to file a claim under your own Physical Damage coverage even if someone else may have caused the accident. ## Uninsured Motorist Insurance Georgia requires all drivers to have Liability Insurance to drive. Unfortunately, there are some drivers who either do not follow the law or may unknowingly allow their coverage to lapse or cancel. These drivers are considered “uninsured.” If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, Uninsured Motorist insurance would protect you. ## 10 Things to Know To help you understand the basics of auto insurance and, hopefully, avoid some of the common pitfalls, here are 10 things to keep in mind when purchasing auto insurance. - How is Your Insurance Rate Determined? Two factors determine what you pay for auto insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk associated with an applicant, group the applicant with other similar risks and decide if the company will accept the application. Based on the results of the underwriting process, the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant’s potential claim. - Several Factors Will Affect Risk Rating Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are common factors that can affect the price you will pay for your auto insurance. - Ask Your Agent About Discounts Discounts are awarded because the insurance company sees you as a “better risk.” Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, auto/home package and dividends. Not all states offer all discounts, so check with your agent to see if you qualify. - Tort System vs. No-Fault System Each state must implement either a tort system or a no-fault system. The system your state has implemented will determine what kind of insurance is available to you. The three basic coverages sold under the tort system are bodily injury liability insurance, property damage liability insurance and uninsured motorists coverage. In a no-fault state, coverages will vary, but under a no-fault system your insurance company pays you directly for your losses as a result of injuries sustained in an accident, regardless of who is at fault. Check with your state insurance department for questions concerning tort or no-fault state systems. - Check Into Optional Coverage The most commonly recognized coverages, in addition to the basic liability package, are collision and comprehensive coverages. Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law. Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional. Other optional coverages include medical payments coverage, rental reimbursement coverage and towing and labor coverage. - Where to Go for More Information Information is available to consumers from a number of unbiased sources. These sources include public libraries, state insurance departments, online resources, consumer groups and consumer publications. Every state insurance department has personnel available to answer questions regarding auto insurance coverage and many departments publish premium comparisons to make shopping around easier. - Shop Around Before You Buy When shopping for auto insurance, premium quotations are a useful tool for comparison of different companies’ products. When asking for price quotations, it is crucial that you provide the same information to each agent or company. The agent will usually request the following information: description of your vehicle, its use, your driver’s license number, the number of drivers in your household, the coverages and limits you want. - Where to Shop Search the Internet for insurance companies and agents in your area. In addition, ask your neighbors, relatives and friends for recommendations on insurance companies and agents. In particular, ask them what kind of claim service they have received from the companies they recommend. Remember to shop around to get the best price and service. You can perform a [License Lookup](https://oci.georgia.gov/insurance-resources/agent-individual-agency-company-search) on our website to confirm that an insurance company or agent is licensed to sell insurance in the State of Georgia. - For Your Protection Once you have selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make certain you get your money’s worth. Before signing an application for any insurance coverage, call you state insurance department and verify that the company and the agent are licensed to do business in your state. It is illegal for unlicensed insurers to sell insurance, and if you buy from an unlicensed insurer, you have no guarantee that the coverage you pay for will ever be honored. - Read Your Policy Carefully You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department. You can learn more about auto insurance, coverage options, and more by reading the [Guide for Automobile Insurance](https://oci.georgia.gov/document/document/guide-auto-insurance/download) (PDF, 481.16 KB) , authored by Georgia’s Insurance and Safety Fire commissioner, John F. King.

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2020-09-26 09:25:51 (5 years ago)

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