ATLANTA AUTO INSURANCE

Atlanta Auto Insurance helps protect you and your family from losses resulting from motor vehicle accidents.  State law requires every car to be covered by auto insurance.

At Atlanta Auto Insurance we know you want a great deal on auto insurance and we want to help you save as much money as possible for the best coverage.

Atlanta Auto Insurance will help you understand the following auto insurance basics:

• The basics of what is covered in an auto insurance policy and what coverage’s are required
• How your auto insurance rates are determined
• Answers to frequently asked questions about auto insurance
• Steps on how to file an auto insurance claim
• Auto Links & Resources
• We will provide a custom auto insurance quote & compare rates against the major independent auto insurance companies

The Atlanta Auto Insurance coverage guide will provide you with an understanding that an auto insurance policy has six specific functions and the state’s minimum requirements for auto insurance.

Below is a list of the coverage options Atlanta Auto Insurance provides:

1. Bodily Injury Liability
2. Property Damage Liability
3. Guest Passenger Liability
4. Uninsured/Under-Insured Motorist
5. Medical Payments
6. Comprehensive
7. Collision

BODILY INJURY LIABILITY
Atlanta Auto Insurance provides this coverage which applies to injuries you, the designated driver or policyholder cause to someone else. Your auto insurance is going to cover you, family members who live with you and anyone else who you give permission to drive your vehicle.

Basic liability protection would be enough coverage if you rent and have minimal savings or investments. Standard protection would be enough if you own a home, have some savings and a steady income. Superior protection would be appropriate if you own a home and have significant assets or income; an umbrella policy should be considered if you fall into this realm.

If you don’t carry enough liability coverage, you may be sued for your personal assets – your home, savings, investments, or even future income. As Atlanta Auto Insurance client it is important to make certain that you purchase as much as you need to protect your assets.

Regardless of the value of your personal assets I recommend liability coverage of no less than $100,000 per person, $300,000 per accident and $100,000 in property damage.  Liability does not cover your injuries. It covers injuries to others, which is also called third party claims.

PROPERTY DAMAGE LIABILITY
At Atlanta Auto Insurance this coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hits.

MEDICAL PAYMENTS OR PERSONAL INJURY PROTECTION
Personal Injury Protection can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs. You don’t have to be in the car to collect this coverage as you can also be a pedestrian.

To be eligible for loss of income benefits, you must be disabled by doctor’s orders (provide disability slip) and be unable to work for 14 consecutive days

COLLISION
At Atlanta Auto Insurance this coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Even if you are at fault for any accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you’re not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you’ll be reimbursed for the deductible.

COMPREHENSIVE “OTHER THAN COLLISION”
This coverage applies to any direct and accidental loss not caused by collision. It will reimburse you for loss due to: fire, theft or larceny, windstorm, hail, water or flood, malicious mischief or vandalism, contact with a bird or animal, & glass breakage. At Atlanta Auto Insurance you would be covered under comprehensive coverage if a tree fell onto your car, if a thief were to steal your car radio or even steal your car.

UNINSURED MOTORIST
At Atlanta Auto Insurance this coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver. This coverage comes into play when an at-fault driver has insufficient insurance to pay for your loss. This coverage will also protect you if you are hit as a pedestrian by someone who is either uninsured or under insured.

TRANSPORTATION EXPENSE “RENTAL REIMBURSEMENT”
This coverage provides for payment of a rental vehicle up to the amount you select as a result of a covered loss. While optional, at Atlanta Auto Insurance we feel this coverage is an important addition to your policy.

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At Atlanta Auto Insurance we know that customer service is critical to having you as a satisfied customer.  Call Atlanta Auto Insurance today for a competitive quote on your auto insurance.