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?

Apr 22, 2021
Answer provided by
Eric Schad
Answered at Apr 22, 2021
“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.”
Liability CoverageCar InsuranceState Insurance MinimumsGeorgia

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