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Georgia Car Accidents: How Does It Affect Your Auto Insurance?

Car accidents can be a traumatic experience, especially when they occur in Georgia. Knowing the effects a car accident will have on your vehicle insurance can help you prepare for any potential financial losses. 

In Georgia, an average of 1,500 people are killed annually in car accidents. If you are fortunate enough not to get hurt in a crash, you may still need to pay for the damages to your vehicle, which can be costly. No matter how often you drive, having the right car insurance to cover any costs if you are involved in an accident is important. This blog post will provide an overview of the average car accident in Georgia and how it affects your auto insurance.

Required Insurance Coverage in Georgia

In Georgia, auto insurance is required for anyone who intends to operate a vehicle on public roads. Georgia’s minimum liability insurance requirement is 25/50/25, which means that the policy must provide a minimum of $25,000 in coverage for bodily injury per person, $50,000 in coverage for bodily injury per accident, and $25,000 in coverage for property damage per accident. Additionally, uninsured motorist coverage is also required for $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

Can Accidents Affect My Insurance Premiums?

Vehicle accidents are an unfortunate and common occurrence that can seriously impact your insurance premiums. Understanding how a car accident will affect your insurance premiums is important for any driver.

When an accident occurs, the insurance company will assess the damage and determine the fault. Depending on the type of insurance coverage you have and the severity of the accident, your premiums may increase significantly. In some cases, the accident may even be excluded from your policy, and you may be required to pay out of pocket for any repairs or medical bills.

Your insurance company will typically consider several factors when determining how an accident will affect your premiums. These factors include the type of coverage you have, the number of damages, whether anyone was injured, and the amount of your deductible. Additionally, if it was determined that you were at fault for the accident, this may also raise your premiums.

In addition to the accident itself, other factors can also influence your premiums. For example, your premiums may go up if you have multiple tickets or moving violations. Additionally, if you have a history of filing multiple claims, your insurance company may decide to increase your premiums.

When it comes to car accidents, prevention is always the best option. Make sure to practice safe driving habits and obey the law. This will help you avoid costly accidents and keep your premiums low. Additionally, it’s important to understand your coverage to ensure you have the right amount for your situation.


Car accidents in Georgia have a significant impact on auto insurance rates. Insurance companies consider the accident’s severity and the amount of damage done to the vehicle and the surrounding area. Drivers in Georgia should be aware of the potential risks and be prepared to pay higher premiums due to an accident. Additionally, they should practice safe driving and follow the rules of the road to avoid any accidents in the first place. Making sure to follow the laws and drive responsibly can help to keep auto insurance premiums low and help protect yourself, your passengers, and other drivers on the road.
Do you need auto insurance in Conyers, GA? The Tabb Insurance Agency has you covered. We offer different insurance plans and high-quality services that meet your personal and business needs. Contact us today to learn more!