We work directly with ALL major insurance companies, so you don’t have to
Navigating the world of car insurance and repairs in North Georgia can be overwhelming, but it doesn’t have to be. At Car Crafters, we turn the often complicated process into a hassle-free experience by working directly with all major insurance companies to ensure claims are handled smoothly and efficiently.
From the initial assessment to the final billing, our experienced team takes care of everything, reducing the paperwork and stress that typically come with auto repairs.
Say goodbye to insurance claim confusion and hello to a seamless repair experience.
Whether you’re dealing with a minor fender bender or a major collision, we’re here to make your life easier.
Experience the Car Crafters difference today!
What auto insurance coverage is required in Georgia?
In Georgia, drivers are legally required to carry a minimum amount of auto insurance coverage to operate a vehicle on public roads. This mandatory coverage, called liability insurance, ensures that drivers can cover the costs associated with injuries and property damage they cause to others (but not themselves) in an accident.
Specifically, the state mandates the following minimum liability coverage:
- $25,000 per person for bodily injury. This covers medical expenses and other costs if you injure someone in an accident.
- $50,000 per accident for bodily injury. This covers total bodily injury costs if multiple people are injured.
- $25,000 per accident for property damage. This covers the cost of damages to another person’s property, such as their vehicle or other structures.
By maintaining these minimum coverage levels, drivers help ensure they can meet their financial responsibilities in the event of an accident, protecting both themselves and others on the road.
Which type of insurance is optional in Georgia?
While only liability insurance is mandatory in Georgia, there are several optional types of car insurance that drivers can consider for additional protection.
Physical damage insurance
Physical damage insurance helps cover the cost of loss or damage to your own vehicle. It’s divided into 2 categories:
- Collision coverage. This insurance pays for damages resulting from collisions with other vehicles or certain objects, such as guardrails or trees, regardless of who caused the accident.
- Comprehensive coverage. Also known as “other than collision coverage,” this insurance covers losses due to theft, vandalism, fire, natural disasters, and other incidents not involving a collision with another vehicle, like hitting a deer.
Georgia law does not mandate physical damage coverage, but if you finance or lease your vehicle, the lender or leasing company typically requires it. As a policyholder, you can file a claim under your own physical damage coverage, even if someone else caused the accident.
Uninsured motorist (UM) insurance
While Georgia requires all drivers to carry liability insurance, unfortunately, not everyone complies with this law.
Uninsured motorist insurance provides protection if an uninsured driver causes an accident that results in damage to your vehicle or injuries to you or your passengers. This insurance helps cover the costs that the at-fault, uninsured driver would otherwise be responsible for.
These additional coverages offer greater financial protection and peace of mind, ensuring that you’re covered in a variety of situations beyond what mandatory liability insurance provides.
For more information on car insurance requirements and options in Georgia, check out the Office of the Insurance and Safety Fire Commissioner’s website.
FAQs about insurance and car repairs
How do I file an insurance claim for car repairs?
To file an insurance claim for car repairs, contact your insurance provider as soon as possible after the accident.
Provide them with details about the incident and any necessary documentation, such as police reports and photos of the damage. Your insurance company will guide you through the process and may send an adjuster to assess the damage.
Can I choose my own repair shop, or do I have to use the one recommended by my insurance company?
In most cases, you have the right to choose your own repair shop. However, your insurance company may recommend certain shops with which they have established relationships.
It’s important to know that you are not obligated to use their recommended repair shop, and you can select one you trust.
What should I do if the insurance company’s estimate is lower than the repair shop’s?
If the insurance company’s estimate is lower than the repair shop’s estimate, you can discuss the discrepancy with both parties. Providing detailed information and documentation about the necessary repairs can help resolve the difference.
At Car Crafters, we’re happy to communicate directly with the insurance adjuster on your behalf to justify the costs and ensure that all necessary repairs are covered.
Will my insurance cover OEM (original equipment manufacturer) parts for repairs?
Whether your insurance covers OEM parts depends on your policy. Some insurance policies only cover aftermarket or used parts, while others may allow for OEM parts if specified. If you’re unsure about your policy specifics, ask your insurance agent or let us know, and we can find out for you.
Car Crafters is proud to be the only local OEM certified repairer for top manufacturers like Nissan, Kia, Honda, Ram, Jeep, Acura, and more, so if you want repairs made with OEM parts, you’ve come to the right place!
What if additional damage is found during the repair process?
If additional damage is discovered during the repair process, Car Crafters will contact your insurance company directly to inform them of the new findings. In some cases, the insurance adjuster may need to reassess the damage and approve the additional repairs, which could affect the overall timeline and cost.
Does Geico cover windshield replacement?
Yes, Geico typically covers windshield replacement if you have comprehensive coverage on your auto insurance policy. This type of coverage helps pay for damage to your vehicle’s glass, including the windshield, due to vandalism or falling objects like branches, rocks, or other debris.
Does Geico cover towing and roadside assistance?
Yes, Geico covers towing services and roadside assistance, including tire changes, battery jump starts, fuel delivery, and lockout services, as part of its Emergency Road Service program, which is an optional add-on to your auto insurance policy.
If you have this coverage, you can get your vehicle towed to a repair facility of your choice 24 hours a day, 7 days a week, for free.
Simplify your repairs with Car Crafters’ hassle-free insurance coordination
At Car Crafters, our goal is to streamline the repair process for you. That’s why we communicate directly with your insurance provider to advocate for the best possible parts and coverage for your repairs. By working directly with adjusters, we expedite the approval process, ensuring that your vehicle is repaired promptly and to the highest standards.
By choosing Car Crafters, you benefit from our commitment to reducing hassle and providing top-notch repair services. Let us handle the insurance complexities while you enjoy the peace of mind that comes from knowing your vehicle is in expert hands.
