Auto

Car Insurance is your financial protection in case your car is damaged or stolen or if you are involved in a traffic accident. Our professionals will determine what type of Auto Insurance Coverage you need and what type is required in the State of Georgia.

The most common types of coverage are Collision and Comprehensive, Liability, Rental and Towing, Med Pay, Uninsured and Underinsured Motorists coverage. It is our desire to help you estimate your Car Insurance needs taking into consideration your current situation, driving experience, assets you want to protect, etc.

Mainly, the major factors you should take into account when deciding how much coverage you need, beyond your state's minimum requirements, are the following: the year, make and model of your car, where, why, how often you drive, and what you have to protect.

Liability coverage (Bodily Injury and Property Damage):
Liability coverage is required in Georgia. The minimum limit is 25/50/25 but it may be in your best interest to purchase a higher limit. If you get in a traffic accident and someone else is injured, you will need Liability coverage to protect you against claims presented by others.

Property Damage Liability:
Property Damage is an important part of coverage which in the event of an accident pays for the repair and replacement of somebody else's car or property.

Comprehensive (Comp) and Collision:
Comprehensive covers losses to your car from theft, falling objects, fire, etc.
Collision covers any loss to your vehicle resulting from running into another car, a fence, a wall, a light post, etc.

If you are financing your vehicle, the finance company or bank will require you to carry Comp & Collision

Uninsured or Underinsured Motorist:
This coverage is very important to get since it pays not only for medical costs for you and your family in case of an accident with either a hit-and-run driver or a driver who is underinsured.

Other:
Also ask about towing and other types of coverage that can benefit you. When deciding how much coverage you need, it is very important to consider the area you live in, as well as where, how far and why you normally drive. This is where our professional staff can help you.