Auto Insurance in Marietta, GA
Having the right auto insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged. An auto insurance policy is designed to provide you with a layer of protection against property, liability and medical costs following an accident. But choosing the right auto insurance can be overwhelming. Reach out to our agency today to learn more about auto insurance and find the policy that’s right for you.
Why Do You Need Car Insurance?
Car insurance may help cover repair costs, medical expenses and other damages in an accident. Your policy can also protect you if you’re involved in an accident with an uninsured or underinsured driver.
Without it, you could be facing substantial out-of-pocket expenses.
Georgia requires all drivers to have minimum amounts of auto liability insurance to help pay for damage caused to others in a car accident.
How Does Car Insurance Work?
Car insurance is a contract with an insurance company. You pay the premium, and the insurance company agrees to pay for certain expenses and losses covered by your policy.
Your car insurance quote estimates your premium based on factors like your driving history, the coverage you choose and your geographical location.
An auto insurance policy may include the following:
- Auto liability insurance
- Comprehensive coverage
- Collision coverage
- Uninsured/underinsured motorist coverage
- Medical payments (MedPay)
- Guaranteed asset protection (GAP) insurance
- Roadside assistance
- Rental reimbursement
In the event of an accident or incident, you file a claim with your insurance company. They assess the claim and, if approved, pay for the damages or losses up to your policy’s limit.
Many types of car insurance have a deductible, which you pay out of pocket before your insurance coverage goes into effect. A higher deductible typically means a lower premium, but it also means more out-of-pocket costs when you file a claim.
What Do Auto Insurance Policies Cover?
Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:
- Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.
- Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including , require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
- Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
- Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.
- Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.
- Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.
- Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.
There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.
How to Get Auto Insurance
Drivers Insurance LLC is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.