Auto Insurance

Suppose you’re driving down the highway and you get sideswiped by another vehicle, causing you to rear-end another car. This single accident could result in thousands of dollars in damage and injury costs. If you don’t have auto insurance, these expenses could be financially devastating.

What’s the Point of Auto Insurance?

Auto insurance is designed to help cover expenses stemming from car accidents, including incidents you cause and those you don’t. It can help pay for property damage and medical costs for both you and other involved parties, depending on the coverage you choose. Without auto insurance, these costs could fall entirely on you.

What Coverage Do I Need?

In Georgia, bodily injury and property damage liability coverage are required by law. Liability insurance helps cover losses you cause to others with your vehicle. Without this coverage, you could face legal penalties and license suspension, not to mention significant out-of-pocket costs after an accident.

Most drivers choose to include more than liability coverage in their auto insurance policies. Here are some additional coverage options:

• Collision coverage can help pay to repair damage to your car after an accident.

• Comprehensive coverage can help cover losses stemming from incidents other than collisions, such as from theft, vandalism or severe weather.

• Uninsured/underinsured motorist coverage may help pay for your losses caused by drivers without sufficient insurance, including hit-and-run drivers.

The additional coverage you choose may come down to your car’s value and your personal circumstances. If you have a loan, your lender may require certain levels of coverage.

Where Can I Get an Affordable Policy?

Michelle Allen Agency Inc is your partner when it comes to auto insurance. Our experts can help you find discounts, shop around for policies and meet applicable legal requirements. Contact us today to learn more and to secure an affordable policy.