What are Georgia’s commercial auto insurance minimums?

Georgia requires every registered commercial vehicle to carry at least the state’s minimum liability insurance, which mirrors the personal auto minimums: 25/50/25. That means at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. These are the floor, not a recommendation, and for a business they are usually far too low.

Each figure caps a different part of a claim:

• $25,000 bodily injury per person: The most paid for one injured person’s injuries.
• $50,000 bodily injury per accident: The most paid for all injuries in one accident combined.
• $25,000 property damage: The most paid for damage to other people’s property, such as their vehicle.

The problem is that real accidents often cost far more. If one of your work trucks injures someone seriously, medical bills and a lawsuit can run into the hundreds of thousands. Anything above your limit comes out of the business, putting your company’s assets at risk. That is why most Georgia businesses carry much higher limits, often a single combined limit of $500,000 or $1,000,000.

For example, say your delivery van rear-ends a car and injures the driver, with medical and legal costs totaling $180,000. With only the state minimum, your policy pays $25,000 and your business owes the remaining $155,000. With a $1,000,000 limit, the policy covers it.

Note that certain vehicles, such as some for-hire and interstate operations, face higher federally mandated minimums. To set the right commercial auto limits for your Georgia business, request a free coverage review.