Auto insurance is one necessity for owning a car. You need it to protect yourself financially in the event of an accident, but it’s hard to understand and choose the right policy. If you live in Snellville, GA, here are a few tips on choosing an auto insurance policy that’s right for you.
Does Georgia Require Vehicle Insurance?
Georgia law requires all drivers to have liability insurance. This insurance covers damage you may cause to other people or property while driving. You’ll need to show proof of insurance when you register your car or renew your license plate.
However, basic liability insurance only covers damage to others. It does not cover damage to your own car or injuries to yourself or your passengers. For this reason, you may want to purchase additional coverage, such as collision or comprehensive insurance.
Is Liability Only Coverage OK for a Car Loan?
If you have a car loan, your lender will require you to have collision and comprehensive coverage besides liability insurance. Collision pays for damage to your car in an accident, and comprehensive pays for damage from events like theft, vandalism, or weather. For questions, contact your Birdsong Agency Inc. representative.
In Georgia, you’re not required by law to have uninsured/underinsured motorist coverage, but it’s a good idea. This type of coverage protects you if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damage they caused.
Another add-on that drivers may want to consider is rental reimbursement coverage. This addition pays for a rental car while your own vehicle is being repaired after an accident.
Give Us A Call
Contact your Birdsong Agency Inc. agent in Snellville, GA to see if this is something that would be beneficial for you.