Auto Insurance FAQs
Auto insurance can feel overwhelming, especially with so many coverage options and state requirements to consider. At Lord & Associates Insurance Agency, we’re committed to helping drivers understand their choices and make confident decisions about their auto insurance.
Here are the answers to some of the most common questions we hear from our clients in Covington, GA:
What Auto Insurance Coverage Is Required?
State law requires all drivers to carry a minimum amount of liability coverage. This coverage helps pay for injuries or property damage you may cause to others in an accident.
While these minimums meet state requirements, many drivers choose to add collision, comprehensive and uninsured motorist coverages for broader financial protection.
What’s the Difference Between Liability, Collision and Comprehensive Insurance?
- Liability coverage can shoulder costs for injuries or damages you cause to others.
- Collision insurance may help cover damage to your own vehicle after an accident, regardless of fault.
- Comprehensive insurance can help against non-collision events, such as theft, vandalism or weather damage.
Our team can help you determine which combination of coverages best fits your needs and budget.
Why Do Auto Insurance Rates Change?
Auto insurance rates in Georgia can change for several reasons, including your driving record, claims history, vehicle type, and even statewide trends like increased accident rates or repair costs. If you notice a change in your premium, we’re here to review your policy and explore ways to help you save.
Does My Policy Cover Rental Cars?
Many auto insurance policies extend coverage to rental vehicles, but the specifics can vary. Some policies may only cover liability, while others include collision and comprehensive coverage for rentals. Before renting a car, contact our team to confirm what your policy includes.
How Does the Auto Insurance Claims Process Work?
If you’re involved in an accident or need to file a claim, start by contacting us as soon as possible. We’ll guide you through the process, from gathering necessary information to working with your insurance carrier. Our goal is to make the claims experience as smooth and stress-free as possible.
Contact Us Today
Auto insurance doesn’t have to be confusing. If you have questions about car insurance, coverage options, or the claims process, Lord & Associates Insurance Agency is here to help. Contact us today to get personalized answers and support.
