All of us, at one time or another, likely will be involved in a car accident. This time though, it’s your fault and your car is not drivable, where do you go from here? You call your insurance agent to file an insurance claim. You continue to get your damages repaired and some of those emergency room and doctor bills paid, and your insurance agent tells you something you didn’t want to hear. “I’m sorry, but you don’t have coverage for that”, you’re in shock!
Knowing how your auto insurance policy covers you and knowing your limits and deductibles is imperative. After all you are insuring valuable assets — you, your family, your car and you must include covering other people involved.
In the end it is about the safety of you, your family, and all of those involved. We would love to help you answer any auto insurance questions you may have and give you good insurance advice.
What is involved in a car insurance policy and what do the insurance coverages mean?
Covering Other People
Bodily Injury Liability –
If you cause an accident and people are hurt, you could be held legally responsible for medical costs for everyone involved. Liability coverage can help shield you from losing your home, your savings and investments, or having your wages garnished to pay for the injured person’s medical care, loss of income, pain and suffering. The state minimum for GA is $25,000 per person / $50,000 per occurrence.
Property Damage Liability –
If you cause an accident and damage another person’s car or their property, you could be held legally responsible for repair or replacement costs. The average cost for a new vehicle is $28,400. What if you hit a luxury car that costs twice that amount, cause a pile-up, or run into a storefront? The Georgia state minimum is $25,000 per occurrence. Given all the possibilities, is that enough? Discuss with your insurance agent and receive their valuable insurance advice that could help you when the worst happens.
Covering Your Family
Uninsured/Underinsured Motorist –
Most states require that drivers have insurance, but not everyone obeys the law. If a driver with minimum or no insurance coverage runs into you, you could be left paying more out of your own pocket for you and your passenger’s injuries. The are many options, how many have you explored?
Covering Your Car
Collision/Comprehensive Insurance
Collision coverage pays for damage to your car if you collide with another car or something else, such as a tree or light pole. Comprehensive coverage generally pays for damage to your car caused by something other than a collision, such as theft or storm damage. With the coming year predicted to be one of the worst with regard to severe weather this may be a coverage you consider adding.
There are so many options! There are insurance coverages that you may not know are even available to you.
Medical Payments Coverage, Towing Coverage, Rental Car Reimbursement, Sound System Coverage, are just a few insurance policy options you need to explore, to be best prepared. At the least you can learn if there are any ways you can save on your auto insurance policy from talking with an insurance agent.
The Best Auto Insurance Coverage
The best insurance coverage, is one that is tailored to your unique needs. There is no short answer to say what is good insurance coverage for everyone. When looking for affordable full coverage auto insurance, it is necessary to speak with an expert who cares about your success. We can identify your needs and deliver insurance coverage at a cost you can afford.
Let us help you find insurance for your needs! Get an auto insurance quote now and let’s start our relationship and ensure your safety.
Don’t wait for an accident to happen to find out you are inadequately protected. Review your auto insurance policy with your Insurance Agent and understand what those coverages mean.