You may know to maintain a driver’s license and operate a vehicle on roadways in Georgia, you must have at least the minimum amount of liability insurance. Liability insurance provides protection for others, those who suffer damage or injuries caused by your actions. But is that enough?

At The Insurance Mart, we can help you choose the right type and level of insurance for your needs. If you need to update your auto insurance in Blue Ridge, GA, give us a call.

Is Minimum Good Enough?

In Georgia, the state requires you to maintain at least $25,000 for bodily injury per person and $50,000 for bodily injury per accident, as well as $25,000 for property damage you cause. However, this figure is very low in many situations.

If a car accident occurs, and you are at fault, you become financially responsible for the injuries and losses you cause. Your liability insurance helps to cover those costs, up to the limit. However, a single trip to the emergency room could wipe out that value. You would be stuck with anything else owed out of pocket. That might include lost wages and pain and suffering.

Without enough insurance protection, the other party could file a lawsuit against you. They may seek other assets to cover their losses. This is not uncommon, especially in serious accidents. Even if it was just an oversight, it could still cost you dearly.

Bumping up your coverage does not have to be expensive. The peace of mind it brings can be worthwhile.

Let Us Help You Choose Coverage for Your Needs

The Insurance Mart makes it easy for you to see how affordable more coverage can be. Request a quote for auto insurance in Blue Ridge, GA now so we can help you.

If you live in GA and drive a car, you are required to buy auto insurance. But what happens if you have a policy and it lapses? Our team at The Insurance Mart Inc., serving Blue Ridge, GA, explains.

Don’t Take a Chance on a Policy Lapse

An insurance lapse occurs when the start date of a new auto insurance policy is more than 10 days after the termination date of an old insurance policy. It can also occur when you cancel an auto insurance policy, but there is no notification of a new policy received within 30 days of that termination.

The best way to prevent a lapse is to make sure the start date of a new auto insurance policy is the same as the date you cancel a previous policy. According to the Georgia Department of Revenue, if a lapse occurs, you will be charged a lapse penalty and a fine. The fine will initially be $25, but it could increase up to $160 if the fine is not paid within 30 days.

Call Us To Speak With One of Our Agents

One way to prevent a policy lapse is to work with a knowledgeable insurance agent. At The Insurance Mart Inc, our agents will help you stay covered. We’re currently serving Blue Ridge, GA.