Is Georgia a No-Fault State?

When purchasing insurance, it is important to understand the legal requirements in your state, and part of this will require you to know whether or not you live in what is considered a no-fault state.

What Does No-Fault Mean?

No-fault does not refer to the accident itself but to a type of coverage that kicks in when you have an accident, and it also refers to a person’s limited ability to sue the other driver for damages related to medical bills. In no-fault states, drivers are required to carry what is known as personal injury protection or PIP insurance. This policy will cover certain expenses resulting from your injuries, no matter who caused the collision. 

Georgia is a Tort State

Georgia is not listed as one of the no-fault states in our country, and because of this, it is referred to as a tort state. This means that a driver automatically has the right to be able to bring litigation to recover expenses without waiting for their PIP limits to be reached. Also, insurance companies in tort states do not even list PIP as an option for drivers but instead offer medical payment insurance. This is similar to PIP, but it does not place restrictions on a driver’s ability to bring another driver to court. Residents of Ball Ground, GA are not required by law to purchase medical payment insurance, but liability auto insurance is mandatory. 

The Sanford Group is Here to Help

If you’re in need of auto insurance, The Sanford Group can get you on the fast track to becoming insured. Experienced in serving the people living in and around the Ball Ground, GA area, we consider it a privilege to work for you. Contact The Sanford Group to speak to one of our knowledgeable agents about all your auto insurance needs today!

 

 

The Sanford Group Is Here to Help Meet Your Home Insurance Needs

Home insurance, whether you rent or own, is an important piece of coverage that everyone should have in their portfolio. If you are in the greater Ball Ground, GA area, The Sanford Group is here to work with you to determine the best policies and coverage levels for your needs. Our agents are here to review your home and possession value with you and provide information on the best policies and coverage levels to suit your requirements. The Sanford Group has close ties to the Ball Ground community, and we treat our clients like they are our neighbors. The Sanford Group is an independent agency and offers home insurance from multiple carriers, not just one.

In the event that you experience a catastrophic event with your home, your dedicated agent will walk you through the claims process and make sure that you have all of the assistance and information that you need. Damage to one’s home is already stressful and having to navigate the sometimes confusing claims process in just one way that we can help. Our agents will conduct a full inventory of your belongings and advise you on any items that could possibly be above policy value limits. There are additional riders available for artwork, jewelry, electronics and other high-value items that exceed the home policy value limits.

The community of Ball Ground, GA is always known to lend a helpful hand in the event of an emergency, and The Sanford Group stands by our clients in the same way. Give the team at The Sanford Group a call today to learn more about how home insurance can provide the coverage that you need, or review your current policy to ensure that it is still the best fit.