Selecting the appropriate coverage for your individual needs or those of
your family as a whole can be tough. The auto insurance lingo isn’t
always easy to understand or clear to the everyday person – and
unfortunately not all insurance agents are willing to take the time to
fully explain each and every option to clients. Fortunately, many agents
are happy to take the time to go through the many protections offered
to you in the event of a crash, injury, or other instance where auto insurance
is needed. We urge those who contact us about auto insurance to shop around
for an agency and/or agent they feel comfortable. It is important that
you trust your insurance company to provide expertise even when specific
questions are not asked – because many times we simply don’t
know to ask them until it’s too late. Agents who suggest coverage
options personalized to a plan’s members are fantastic resources.
Because Jones & Swanson primarily represents victims of automobile
accidents, we deal with auto insurance companies on a daily basis. This
affords us an inside knowledge of how insurance companies, adjusters,
agents and policies work. Here are a few coverage options afforded to
Georgians under automobile insurance policies:
- Liability Protection: Pays for the cost of injury that others suffer as
a result of an automobile accident with you. Without this protection,
you’d have to pay these expenses out of pocket.
Medical Payments: Covers financial protection from medical bills you incur as a result
of an auto accident, even as a pedestrian.
Uninsured Motorist: Protects you from uninsured motorists. This coverage protects your personal
assets if you are injured by a driver who doesn’t have insurance
and can’t pay your medical bills.
- Underinsured Motorist Coverage: Similar to uninsured motorist coverage,
underinsured motorist coverage protects against insignificant coverage.
This is triggered when the at fault driver has insurance, but not enough
to cover your medical expenses.
- Damage to Vehicle: Pays to repair your damaged vehicle – subject
to a deductible.
Each of these auto insurance policy components should be considered to
fully protect yourself and others on Georgia roadways. It is always our
suggestion to purchase the maximum amount of coverage that you possibly
can – you never know when you’ll need to protect yourself
financially. For more information about automobile insurance or to schedule
a complementary and informative Lunch and Learn at your workplace or community
event, please contact Jones & Swanson at 770-427-5498 today.