Auto insurance provides you with important
financial protection against bodily injury and property damage that arise
from automobile accidents. In addition to minimum legal requirements, you
should consider other types and amounts of coverage for your individual
needs. We'll help you put together an auto insurance policy that's just
right for you, your family, your passengers, and your assets.
As you select coverage
options, there are key areas of protection to consider. Click on the
coverage options below for a brief explanation of each:
Liability Pays for damage to others when you are legally responsible as a
result of an accident involving your auto. It pays for loss resulting
from bodily injury or property damage up to the limit you select. This
coverage can also protect you while you or resident family members are
using a car you do not own (e.g., rental car).
Payments Pays medical expenses for you, resident family members and
other persons injured by an accident while occupying your auto. You and
resident family members are also covered as pedestrians should you be
struck and injured by an auto. You will be paid regardless of who is at
fault for the accident up to the limit of coverage you select.
Collision Collision coverage pays for direct and accidental damage to
your auto caused by upset or collision with another vehicle or object.
This coverage is written with a deductible.
Than Collision Other Than Collision coverage pays for direct and accidental
loss or damage to your auto caused by such things as theft of the auto or
its equipment, fire, vandalism, breakage of glass, explosion, falling
objects and damage from contact with birds or animals. This coverage may
be written with a deductible.
Motorists This coverage varies significantly by state both in terms and
availability of options, but generally falls into three parts:
1. Uninsured Motorists - Bodily Injury Pays for bodily injury that you
are legally entitled to recover from the owner or operator of an
uninsured motor vehicle.
2. Underinsured Motorists - Bodily Injury Pays for bodily injury that you
are legally entitled to recover from the owner or operator of an insured
motor vehicle but the amount of his/her insurance is not sufficient to
pay all of your damages.
3. Uninsured Motorists - Property Damage Pays for damages that you are
legally entitled to recover if your auto is damaged in an accident caused
by an uninsured or underinsured motorist.
Injury Protection In states where "No Fault" coverage is available,
pays for medical treatment, wage loss, and rehabilitation regardless of
Options Protection is available for Towing, Substitute
Transportation (if your auto is inoperable after a covered loss),
Loan/Lease Gap Coverage, and Special Equipment Coverage.
For further details,
contact an QuoteAtlanta.com representative at (404) 288-3838.
Things that may affect
Auto insurance rates are
affected by a number of factors, including:
Where you live – From one area to
another, the frequency of events such as theft or vandalism, and the
costs of auto repairs and medical bills can vary. For example, insuring
an auto in New York, New York, may cost twice as much as insuring an auto
in Jackson Hole, Wyoming.
Make and model of your auto – autos that
are stolen less, harder to damage, or cheaper to repair cost less to
Driving record – Tickets, accidents, and
previous claims may raise your rates.
Age – Because younger/less experienced
drivers are involved in accidents more often, their rates are naturally
How the auto is used – Whether you use
your auto for business, commuting, or pleasure can affect your rates.
Talk to one of our representatives to find
out how you can lower your premiums. Things that often contribute to
lower auto insurance rates include:
Car pool use
Students away at school
Two or more autos
training courses for older drivers
We will work with you to
come up with the best, most economical solution for your insurance needs.
Making sense of auto
insurance can be intimidating. At QuoteAtlanta.com we make understanding
your protection as easy as possible. There
is a quick reference index to important provisions inside the cover of
your policy. The Declarations Cover Page offers an overview of the
options that you selected, the endorsements you added, and the effective
policy period. The body of the policy
provides a detailed explanation of your coverage in everyday language.
So, take a few moments to review your
protection – you will not only better understand your existing coverage
but may also identify unprotected risks. Get a free, fast quote today,
call (404) 288-3838
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