Finding the right auto insurance requires you to understand the various components of each policy, from the qualifications to the items covered. To do this, however, you first need to know what kind of insurance that Commerce, GA motorists can get. North Georgia Insurance Center covers the types of auto insurances offered and what to expect from each.
Bodily Injury Liability
If you get into an accident and the other party gets injured, a bodily injury liability covers expenses related to their medical costs. Where the injuries are severe and cause a loss of income to the motorist, this cover also ensures that the injured party is compensated during their recovery.
Property Damage Liability
Property damage liability comes in handy when you damage another person’s vehicle during an accident. In addition to this, if you damage property such as homes or building structures during your daily commute, property damage liability will help you offset these expenses.
When your car gets damaged during an accident, a collision cover pays for repairs and any replacement when the damage is substantial. This coverage, however, only works where damage to your vehicle results from a clash.
A comprehensive policy covers non-collision damages to your vehicle. This includes issues such as vandalism, damage from disasters like hail and theft. Due to this, any personal items destroyed during these instances are not covered since they fall out of your vehicle’s damage scope.
Uninsured/ Underinsured Coverage
Despite policies such as bodily injury liability being compulsory for every motorist in Commerce, GA, some will still choose to drive without proper coverage. If you get into an accident with such a motorist, uninsured coverage takes care of expenses arising from such an incident. If the other motorist’s policy cannot cover the full amount of property damage or injury, your underinsured cover will take care of all costs requiring payment.
Medical Payment Cover
Lastly, a medical payment policy provides coverage when you or any passengers are hurt during an accident.
Getting auto insurance will allow you to keep yourself and other parties protected while you are on the road. Contact North Georgia Insurance Center to get a policy that is tailor-made for your needs.