If you are a Georgia driver, state law requires you to buy auto insurance. But if you’re in an accident, who pays for your repair costs? And how?
Who Pays for Your Repair Costs?
After an accident, you may wonder whether your insurance company will pay you directly or if the other driver’s insurance company will send the funds. In some states, this is decided according to which driver is declared to be at fault for the accident. According to the Georgia Office of Insurance and Safety, each state must use either a tort system or a no-fault system. A no-fault system dictates that your insurance company must pay you for car repairs, whether you are at fault or not.
If your state has the tort system, coverage is sold for bodily injury, property damage, and uninsured motorist coverage. Since Georgia is a tort system, the police must declare which driver is at fault for the accident before any funds are paid. If you want further information about this system, ask one of our team members at Toney Insurance Company, serving Snellville, GA.
Call Us for an Appointment
Once you get your auto insurance policy, you can drive with the assurance that if you are in an accident, you can report the accident to the insurance company and receive help paying for your car repairs. Our team at Toney Insurance Services can help you understand the terms of your policy. Drivers in the Snellville, GA, area are learning that we provide excellent customer service. Call us for an appointment.
