The comprehensive coverage pays for loss or damage to a covered vehicle due to reasons other than collision or rollover. This includes:
- Animal collision
Collision coverage pays for loss or damage caused by an accident to a covered vehicle due to:
- A vehicle rollover
- Collision with another car
- Collision with an object
Emergency Road Service
This type of coverage pays for the services you get when you have your vehicle towed due to mechanical failure or breakdown.
Liability coverage will pay for the damages you’re responsible for. It has two categories:
- Bodily Injury Liability. This will cover pain and suffering, lost income, healthcare expenses, and other special damages.
- Property Damage Liability. This covers damaged property, which may include loss of use.
In addition, your liability coverage will also help pay for legal expenses. State laws will require minimum amounts of insurance. In Georgia, you are required to have at least $25,000 bodily injury liability per person or $50,000 for multiple people in an accident. Aside from that, you are also required to have a minimum of $25,000 in coverage for property damage liability.
Personal Injury Protection (PIP)
PIP covers reasonable medical expenses for treatment due to a vehicular accident. It may also cover:
- Funeral expenses
- Lost earnings
- Replacement services
Underinsured motorist coverage pays for the damages in an accident caused by an underinsured driver.
Uninsured motorist coverage, on the other hand, pays for the damages in an accident caused by an uninsured driver or a driver without liability insurance.
Not all of the coverage mentioned above is required though. But when it comes to insurance, it’s important to have the right amount of coverage to protect your finances.
Cornerstone Insurance Agency is an independent agency dedicated to helping you understand insurance without the jargon. Let us help you find a car insurance policy that best suits your needs. From getting a free quote to getting insurance to filing a claim, our agents are very willing to assist you. Call us at (770) 413-0807 or visit us today.