While all motorists in Georgia are required to have at least liability and underinsured/uninsured auto insurance coverage, it may be best for you and your situation to obtain more auto insurance coverage. If you borrowed money to purchase your vehicle from a lender, you are probably already required to have more coverage than simple liability insurance. There are many different types of auto insurance coverage that are available to protect your investment in your vehicle and here are a few of the most popular coverage options:
Comprehensive insurance coverage will pay for the replacement cost of your vehicle if it is stolen, vandalized, or totaled in an accident. It will also cover the replacement cost or cost of repairs if your vehicle is damaged by a fire or a natural disaster, such as a tornado or hurricane. Many vehicle owners opt for this coverage for the peace of mind it brings in knowing their vehicle will be replaced or repaired if any of these unforeseen events happen.
This type of policy will cover your vehicle if you are involved in a crash, whether it is your fault or someone else’s fault. It will also cover any property damage that you cause. For example, if you have an accident because you hit the garage door of your friend’s house, it will pay to cover the garage door or if you hit a building, it can pay for any damage to the building.
To create an auto insurance policy that works best for you and your situation, you will want to enlist the help of a trusted and experienced auto insurance agent. Contact the knowledgeable and skilled auto insurance agents at Hyman Brown Insurance Agency Inc. in Commerce, GA.