Call Us: 770-339-4333
Toll Free: 866-226-0169

Auto Insurance Coverages Explained - Part 2

Optional Car Insurance Coverage in Georgia

In addition to the required liability limits in Georgia, you can purchase optional car insurance coverage to better protect you and your vehicle. Standard types of insurance coverages that are worth considering include:

  • Comprehensive insurance - Comprehensive auto insurance helps pay to either repair or replace your vehicle after non-traffic-related events, like fires, thunderstorms, vandalism, car thefts or animal collisions. Most car dealerships, banks and other lenders require you to purchase comprehensive insurance if you finance or lease your car.
  • Collision insurance - Collision insurance pays to repair or replace your vehicle parts if they are damaged in an accident, regardless of who is at fault. Typically, this accident has to occur while the car is moving. It can also be purchased as part of a full-coverage policy. If your car is a total loss, the insurance company will pay you the actual cash value of the vehicle.
  • Uninsured/Underinsured Motorists Insurance - Uninsured motorist coverage helps pay for your medical expenses and repair costs when a driver who doesn’t have insurance or doesn't have enough insurance coverage causes an auto accident. Also called UM coverage, it kicks in when another party is responsible for damage to your vehicle or health but they don’t have insurance coverage to pay the bill.
  • Medical Payments Insurance (Med Pay)Medical payments coverage (commonly known as MedPay) helps pay medical bills for you and other passengers after a car accident. MedPay takes care of your medical costs regardless of who caused the collision.

Contact Danny Knight Agency at 770-339-4333 or or request a quote, here on our website