Auto insurance is something we all need, but let's be real, it's not exactly the most exciting topic. However, I'm here to make it a little more interesting and maybe even a little funny. Today, we're going to talk about split limits of auto liability insurance, specifically in Georgia, where the state minimum limits are 25/50/25. So, grab a cup of coffee, sit back, and let's get started.

First, let's talk about what the numbers for split limits mean. The first number, 25, represents the maximum amount of coverage for bodily injury per person. So, if you accidentally rear-end someone while sipping on Starbucks and they need medical attention, your insurance will cover up to $25,000 of their medical expenses. The second number, 50, represents the maximum amount of coverage for bodily injury per accident. So, if you hit a minivan full of kids, and they all need medical attention, your insurance will cover up to $50,000 of their medical expenses combined. The final number, 25 again, represents the maximum amount of coverage for property damage per accident. So, if you just HAD to read that text message, ding someone's car and cause damage, your insurance will cover up to $25,000 of the repairs.

HOWEVER... just because it's the absolute minimum required by Georgia, does that mean it's enough? Not even close! Think about it: these days, how far will $25,000 get you in an emergency room after an ambulance trip to the hospital? What if it's a clown car with 8 people in it, all with whiplash and head injuries. Will $50,000 keep you from dipping into your retirement funds? Probably not. Kiss that Hawaiian bungalow goodbye!

Now, I know what you're thinking. "This all sounds great, but I don't want to break the bank." That's where Geary T. Newman Insurance Agency comes in. Our experienced agents will work with you to find the best coverage at an affordable price. We'll help you understand your options, and we won't try to sell you more coverage than you need. We know that auto insurance isn't the most exciting thing in the world, but we promise to make the process as painless as possible.

So, there you have it. Split limits of auto liability insurance may not be the most thrilling thing to talk about, but it's important to understand. Just remember, at Geary T. Newman Insurance Agency, we've got your back (and your bumper).