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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.

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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:

atlanta car insurance property coverage


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.) 

atlanta car insurance liability coverage


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.

atlanta auto insurance medical coverage


This covers medical bills resulting from accident-related injuries, and sometimes it can even cover the wages that the injured person lost due to their recovery.

Are there different kinds of liability insurance?
What do they do?

Yes, there are lots of different kinds of liability insurance that you might consider when insuring your car. 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, injuries, pain and suffering, and lost work time are some of the claims bodily injury liability covers. Keep in mind that it does not cover the costs of your injuries or damage done to your car.

Property damage liability—Protects 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 is also covered if someone were to file a suit against you.

Medical payments (aka MP) / Personal injury protection (aka PIP)—Covers medical expenses for you and your passengers if anyone is hurt in an accident.

Uninsured or underinsured motorist coverage (aka UM aka UIM)—This type of coverage protects you if another driver hits you and causes an accident, but they don’t have enough insurance to cover your losses (medical expenses, damages to your car, etc.) This also covers you if the other driver simply doesn’t have insurance, or if you are the victim of a hit-and-run. It also protects 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, like the name suggests, has to do with accidents. Collision insurance covers the cost of any 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 takes care of any losses or damages that were not caused by an accident, like if a tree branch fell and hit your car. It also takes care of theft, fire, and flood, plus anything that belligerent animals might do to your vehicle.

What is a car insurance deductible?

Deductibles for collision insurance range from $250-$1,000, and deductibles for comprehensive insurance are usually around $250.

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.

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