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Auto Insurance

If you want financial protection against physical damage or injury in case, you encounter an accident or traffic collision, then our auto insurance policy is for you. Our policy also offers coverage for vehicle theft or damage.

What Type of Coverage Do We Offer?

Our auto insurance policy offers six types of coverages. Out of those some are necessitated by the law, while others are optional:

Physical Injury Liability

Our auto insurance plan provides coverage for any physical injury that you as a policyholder might cause to someone.

Medical Expenses or Personal Injury Protection

Our policy also offers compensation for the medical expenses that might be incurred for the treatment of the driver and passengers of the policyholder’s vehicle.

Property Damage Liability

We provide coverage for the damage that policyholders might cause to a third party’s property.


We compensate for the damage that is incurred to the policyholder’s vehicle due to an accident or collision.


Our policy provides compensation for the damage to the policyholder’s vehicle that occurred due to fire incidents, natural calamity, riots, and explosions.

Uninsured Motorists Coverage

Our policy covers the expenses that result due to an accident that involves a hit-and-run driver or a driver who might not be insured.

What Is the Minimum Required Georgia Auto Insurance Coverage?

According to Georgia law, all drivers are entailed to have required minimum auto insurance coverage for their vehicle. The details are as follows:

Physical Injury Liability

$25,000 per person and $50,000 per collision/accident

Property Damage Liability

$25,000 per accident

Uninsured Motorist Coverage (Physical Injury) *

$25,000 per person and $50,000 per accident

Uninsured Motorist Coverage (Property Damage) * $25,000 with a $250, $500, or $1000 deductible

Due to rising healthcare and vehicle repair costs, we recommend choosing a higher liability limit as it will better safeguard your financial interests. Always try to discuss preferences and requirements with our certified insurance agents, as they can better guide you on the ideal coverage levels to choose from. Contact Us for more details.

How Much Insurance You Must Have?

Apart from the amount of car insurance necessitated by Georgia, you need to have sufficient coverage for yourself and your passengers in case of an accident or collision. So, it includes comprehensive, collision and Personal Injury Protection (PIP) coverage.

Does Auto Insurance Encompass Vandalism?

Yes, our comprehensive coverage that is offered with the standard auto insurance plan encompasses vandalism.

Why is Auto Insurance Costly in Georgia?

Georgia has somewhat higher auto insurance premiums than the average US state. This is mainly due to the state, and partly due to the crime rate and amount of

Cornerstone Insurance Agency understands the car insurance needs of our customers and understands that each situation is unique. We will help you find the insurance that works for you, at the price and value that suits your needs. Contact us today for help selecting the right car insurance policy.