JMJ Insurance
2940 Horizon Park Drive, Suite F, Suwanee, GA 30024
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2940 Horizon Park Drive, Suite F, Suwanee, GA 30024
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3451 Lawrenceville-Suwanee Rd NE, Suite B, Suwanee, GA 30024
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3451 Lawrenceville-Suwanee Road, Ste B, Suwanee, GA 30024
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1110 Satellite Blvd NW Unit, # 203, Suwanee, GA 30024
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3011 Sutton Gate Drive, Ste 270, Suwanee, GA 30024
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Learn about insurance coverage options specific to Suwanee residents.
Georgia requires 25/50/25 liability coverage, which means $25,000 per person for bodily injury, $50,000 per accident for all injuries, and $25,000 for property damage. This is the legal minimum, but most insurance experts recommend much higher limits, especially in high-traffic areas like Suwanee near I-85 and I-985. These minimums often don't cover the full cost of a serious accident, leaving you personally liable for the difference.
Georgia is an at-fault state, meaning the driver who causes an accident is financially responsible for damages through their insurance. The injured party files a claim against the at-fault driver's liability insurance. Georgia also uses a comparative fault system, where if you're found 50% or more at fault, you cannot recover damages. This makes adequate liability coverage essential to protect your assets if you cause an accident.
More than 18% of Georgia drivers are uninsured, ranking the state in the top 10 for uninsured motorists. This means about one in five drivers on Suwanee roads has no insurance to pay for damages they cause. Uninsured motorist coverage protects you financially when an uninsured driver hits you. It pays for your medical bills, lost wages, and vehicle damage when the at-fault driver has no coverage.
The average cost of car insurance in Georgia is approximately $3,338 annually or $278 per month as of 2025. Your actual rate in Suwanee depends on factors like your driving record, credit score, age, vehicle type, and coverage limits. Living in Gwinnett County, which has high accident rates, may result in higher premiums than rural areas but generally lower than downtown Atlanta.
Georgia requires continuous electronic insurance verification through the GEICS system. If your coverage lapses, you face serious consequences including fines, registration suspension, and vehicle impoundment. You may also face a reinstatement fee to restore your driving privileges. Additionally, a gap in coverage typically results in higher rates when you purchase insurance again because insurers view it as high-risk behavior.
Yes, most insurance professionals recommend liability limits of at least 100/300/100 for drivers in metro Atlanta suburbs like Suwanee. Georgia's 25/50/25 minimums are often inadequate given modern vehicle costs and medical expenses. In Gwinnett County's high-accident environment, especially near I-85 and I-985, a serious multi-vehicle crash could easily exceed minimum limits, leaving you personally liable for damages above your policy limits.
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