Do I need more than state-minimum liability in Georgia for my 2011 Highlander?

I lost my job due to COVID-19 and wanted to lower my car insurance to the state minimum. My agent told me that this coverage isn't really adequate, especially if I don't have much packed away in savings. What insurance should I get?

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Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Sorry to hear about you losing your job. In Georgia, you’re required to have 25/50/25 liability insurance, which covers:
  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident
If you were to get into a catastrophic accident with this coverage, it probably wouldn’t cover all the expenses. You would be on the hook for the remaining balance, and you could even be sued.
For these reasons, you should consider getting liability limits of at least 100/300/100. It will probably only cost you a few dollars more a month, and it will protect you from any situations that could cause financial duress.”
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