Drivers in Georgia need to protect themselves from all the driving mishaps that can happen. Traffic in the Atlanta area is horrendous. Basic auto insurance is required by the state of Georgia and while that offers some protection, is it enough to make you feel safe? That is what your local independent insurance agent can do for you, assess your risk and make suggestions. In Atlanta, GA at Rob Hill Insurance Group, we do business the old-fashioned way through word of mouth and providing personal service to our clients.
Basic auto insurance in Georgia is liability coverage. The required amount is 25/50/25. That provides $25,000 for medical expenses and injuries for one person in an accident and a total of $50,000 for the complete accident. Another $25,000 for property damage. While this is adequate, if you have a lot of assets, it is not nearly enough to really protect you.
Liability coverage for those with more financial worth should be considerably higher than the minimum amount required. Adding an umbrella insurance policy is also something that should be considered.
While basic insurance takes care of others you may have an accident with, it does nothing to protect your vehicle. Collision coverage protects your vehicle in an accident where you are at fault. If your vehicle is stolen, vandalized, or damaged by something beyond your control, you will need to have comprehensive coverage, which also usually includes glass coverage.
If paying for the repairs to your vehicle would not be a problem for you, then basic insurance is the right choice, but if like most people, the expense would be difficult for you to manage, then having a fully-loaded auto insurance policy will provide you with the peace of mind you need.
Contact Rob Hill Insurance Group in Atlanta, GA for all your auto insurance needs.