Is RV insurance required in Georgia?

Yes for motorized RVs in Georgia (liability matches state auto minimums). Travel trailers borrow from the towing vehicle. Specialty RV coverage strongly recommended for physical damage and personal effects.

What is a deductible?

The amount you pay out of pocket on a covered claim before insurance pays the rest. Higher deductibles mean lower premiums.

How do I cancel my insurance policy?

Cancellation is a written request to the carrier with a specific date, usually 14 days notice. Most carriers refund unused premium pro rata. Never cancel before the new policy is in force.

What commercial coverage do Georgia businesses need beyond a business package policy and general liability?

Beyond a business package policy and general liability, the most common Georgia specialty commercial needs are commercial umbrella, inland marine, cyber, and management liability.

Do I have to use the carrier’s preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

General FAQs

What is liability insurance?

All FAQs

Quick answer: Pays for injuries or property damage you cause to others. The most important coverage on most policies.

Liability insurance pays when you are legally responsible for someone else’s injury or property damage. Your policy covers those costs up to the limit you chose, so you are not writing the check yourself. It also pays your legal defense costs, including attorney fees, even when the claim against you turns out to be without merit.

Where does most people’s liability coverage come from?

Most people carry liability coverage in several places without thinking of it as a separate product.

Auto liability covers bodily injury and property damage you cause to other drivers, passengers, or pedestrians in an accident you are at fault for. Georgia law sets minimum limits, but minimum limits often fall short of real-world accident costs.
Homeowners liability covers injuries that happen on your property, such as a guest who slips on your steps or a neighbor’s child hurt on your trampoline, as well as damage you or a household member accidentally cause to someone else’s property off-premises.
Umbrella liability sits above your auto and homeowners policies and extends the limit once the underlying policy is exhausted. A serious injury claim or a lawsuit involving significant medical bills can exceed a standard auto or homeowners limit quickly. The umbrella policy page explains how those coverage layers work together.
Business liability (general liability, professional liability, and similar forms) covers injuries, property damage, and certain financial losses tied to your business operations, products, or professional services.

What two things does liability coverage actually pay?

Two components make up most liability coverage. The first is the payment of damages owed to the injured party: their medical bills, lost income, property repair or replacement costs, and sometimes non-economic damages like pain and suffering awarded in a judgment. The second is the cost of defending you, which the insurer handles and pays separately from your policy limit in most personal lines policies. That distinction matters because your full limit stays available for the damages award rather than being absorbed by legal fees.

For example, a neighbor sues after tripping on a cracked step at your home and claims $75,000 in medical bills and lost wages. Your homeowners liability limit is $100,000. The insurer pays a lawyer to defend you, and that legal cost does not reduce the $100,000 available for any settlement or judgment. You pay neither the defense costs nor the damages out of pocket, as long as the claim stays within the limit.

How are liability limits expressed on a policy?

Limits are expressed in different formats depending on the policy type. Auto liability typically shows split limits, for example $100,000 per person, $300,000 per occurrence, and $100,000 for property damage. Homeowners liability usually appears as a single per-occurrence number, commonly $100,000 to $500,000. Whether those amounts are adequate depends on your assets, income, household activities, and the specific risks you carry.

What does liability coverage not pay?

Liability coverage does not pay your own medical bills or repair your own vehicle or property. It is third-party coverage only. Your own losses fall under different parts of your policy: medical payments coverage, collision, health insurance, and uninsured motorist coverage for crashes involving underinsured drivers.

For example, if you are rear-ended by an uninsured driver and your car is damaged, your liability coverage does not apply. That loss is covered by your collision coverage and by uninsured motorist property damage coverage, two separate coverages that pay on your side of the equation.

How do you know if your liability limits are enough?

Limits that looked adequate when a policy was issued can fall short as assets, income, or household activities change. A coverage review identifies gaps between the limits you carry today and the exposure you actually face. Request a free coverage review from our team.