Auto insurance is required by law in Georgia, and it's vital to have the right coverage for your specific needs. With so many types of auto insurance available, it cannot be easy to know what coverage you should purchase. Hawkins Insurance Agency wants our Georgia customers to be informed about the various types of auto insurance available.
The State of Georgia requires specific liability coverage for all drivers. This includes bodily injury liability and property damage liability. Bodily injury liability covers any medical expenses that resulted from an accident that was your fault, while property damage liability covers property damage caused by you during an accident.
We have several types of auto insurance available, including collision and comprehensive coverage. Collision coverage covers repairs or replacement costs if your car is damaged due to an accident with another vehicle or object (like a tree or fence). Comprehensive coverage covers damages resulting from theft, vandalism, weather-related incidents like hail or flooding, or animal-related accidents such as hitting a deer.
While having the state-required minimum is better than nothing, it may not provide enough protection if you get into a severe accident. Suppose someone else's vehicle or property is seriously damaged due to an accident that was your fault. In that case, additional liability coverage will help pay for any additional costs associated with repairing their vehicle or replacing their property.
At Hawkins Insurance Agency in Kennesaw, GA, we want our customers to have all the facts about auto insurance so you can make an educated decision. From understanding the state requirements around liability coverages to deciding whether additional coverages like collision or comprehensive are correct, we hope this post has helped clarify these critical topics! Please don't hesitate to reach out with any questions - we're here to help!
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