Buying Auto insurance can be an intimidating task. One has to choose from various options available while considering the minimum requirements established by their state of residence. Understanding the key role our vehicles play in our day to day life, it becomes more important to secure our vehicles against any kind of loss. We evaluate your auto insurance needs and provide the best coverage that suits your requirements so you can rest easy and use your vehicle with peace.
Following are the options available for auto insurance in state of Georgia
- Liability (Bodily Injury and Property Damage BI/PD) – This coverage pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.
- Collision – This coverage pays for damages to your vehicle caused by collision with another vehicle or object.
- Comprehensive – This coverage pays for loss or damage to the insured vehicle that doesn’t occur in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.
- Medical Coverage – Pays medical expenses regardless of fault when the expenses are caused by an auto accident.
- Uninsured Motorist – Pays your car’s damages when an auto accident is caused by a driver who doesn’t have liability insurance.
- Underinsured Motorist – Pays your car’s damages when an auto accident is caused by someone who has insufficient liability insurance.
- Rental Reimbursement – This type of coverage will pay for a rental car if your car is damaged due to an auto accident. Often this coverage has a daily allowance for a rental car.
- Towing and labor coverage: Optional towing and labor insurance provides coverage for emergency road service and towing. This coverage is available any time your vehicle breaks down and is not limited to accidents covered under your physical damage coverage.
Most of these coverage have various choices for minimum or maximum limits apart from the state required minimums.
Another important concept to be understood here is Deductible. A deductible is basically a risk that is self-insured. It’s an amount of money that you are required to pay before your insurance kicks in. Deductibles can come in any dollar amount, but are generally $100, $250, $500, or $1000.
We keep your unique requirements as our priorities and offer you a coverage that is affordable and reliable.