As much as insurance is a necessity, car owners have a hard time determining which policy is suitable for them at times. In Georgia, any cars with active registrations must maintain a continuous Georgia liability insurance cover. Odico Group LLC takes you through the various auto insurance policies you should consider.
Liability insurance can be divided into bodily injury liability and property damage liability. This policy ensures that in case you cause injuries to a third party or damage property while driving, the costs involved will be covered. This can include expenses like medical costs and the cost of repairs and replacements.
Comprehensive coverage protects your car from things like vandalism, theft, hail, or fire. If you suffer any of the covered perils, this policy will help replace or repair your vehicle. This type of coverage comes with a deductible, which is the amount you have to pay out of pocket before getting reimbursement for your covered claim.
This coverage helps cover repairs or replacing costs if you get involved in an accident with another vehicle or hit something like a fence. As much as this type of coverage is optional, some car leaseholders or lenders may require it.
In case you get hit by a driver without insurance, this coverage takes care of medical bills and costs or repair. If an underinsured driver hits you, that is someone whose car insurance liability is limited and cannot pay for your medical bills; underinsured coverage will come in handy.
Medical Payment Coverage
This type of coverage protects you or your passengers when you are injured in an accident despite who is at fault. Any costs arising from injuries like surgeries, X-rays, or hospital visits are covered in this type of insurance.
If you need any of the above policies or advice for your car, consider giving us Odico Group LLC Auto Insurance a call.