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If you’re an Atlanta resident, you know how treacherous the traffic can be. At times, it feels downright dangerous to venture onto the roads. Have you seen Peachtree Street at rush hour? Anyways, we can help you protect yourself and your vehicle with car insurance.
Auto insurance was designed to protect drivers from any losses that might result from an accident or other catastrophe involving their vehicles. Insurance policies vary based on what you need and what your specific risks are, and sometimes it can get complicated. We’ve broken down the basics of what you need to know about auto insurance.
What are the main coverages included in an auto policy if I live in Atlanta?
The three main types of coverage that an auto policy might include:
PROPERTY
Property damage liability covers your legal obligation to the other driver if you're in an accident and damage their car (or if you damage other property.)
LIABILITY
If there’s an accident, bodily injury liability covers the costs that you’re legally required to pay to the injured party. It can help cover expenses like their medical bills.
MEDICAL
This can help cover your medical bills if you are injured in an accident.
Are there different kinds of car insurance?
What do they do?
Yes, there are lots of different kinds of car insurance that you might consider when insuring your vehicle. Here are some of the main ones:
Bodily injury liability (aka BI)—This is the big one. It’s required in most states because it covers the costs of injuries that you (the insured) cause other people. Medical bills, pain and suffering, and lost wages are some of the expenses bodily injury liability can cover. Keep in mind that it does not cover the costs of your injuries or damage done to your car.
Property damage liability—Can protect you if your car damages someone else’s property. For example, if you're in an accident it can help cover the costs of repairing or replacing the other driver's car. Legal defense can also be also covered if someone were to file a suit against you.
Medical payments (aka MP)—Can help cover medical expenses for you and your passengers if anyone is hurt in an accident.
Uninsured/underinsured motorist coverage (aka UM/UIM)—This type of coverage can protect you if another driver hits you and causes an accident, but they don’t have enough insurance to cover your losses (for example, medical expenses.) This can also cover you if the other driver simply doesn’t have insurance, or if you are the victim of a hit-and-run. It can also protect you if you’re a pedestrian and get hit by a car.
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What’s the difference between collision insurance and comprehensive insurance?
COLLISION INSURANCE
Collision insurance, like the name suggests, has to do with accidents. Collision insurance can help cover the cost of damages to your car from an accident. Remember, you still have to pay your deductible. But collision insurance takes care of the rest (up to the policy’s limit.)
COMPREHENSIVE INSURANCE
Comprehensive insurance can take care of losses or damages that were not caused by an accident, like if a tree branch fell and hit your car. It can also cover theft, fire, vandalism, and animal strikes.
What is a car insurance deductible?
Your deductible is the amount you agree to pay if you have a claim. You have your portion of the claim, and your insurance company has theirs.
Some things that you will want to think about when selecting your deductible are:
- Your disposable income
- The funds you have available
- The value of your car
PRO TIP: The higher your deductible, the lower your premium.
So, there you have it—the basics of what you need to know about auto insurance. With the right insurance, you can feel safer and more confident when you hit those tricky Atlanta roads. If you have any additional questions or if you’re looking for insurance for your car, give us a call. We’d be happy to get you a free auto insurance quote.