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When you are a driver in the great state of Georgia, you must carry at least basic auto insurance on your vehicle. The amount of insurance that is considered basic in Georgia is liability coverage in the amount of 25/50/25. That is $25,000 for one person in an accident, $50,000 for all injuries, and $25,000 for property damage. At Wichalonis Insurance Agency in Cumming, GA, we make sure that all of our customers have the right amount of auto insurance for their particular needs.
If you are leasing a vehicle or have an auto loan, basic auto insurance will not be enough. It doesn’t protect the vehicle, and you will need that. You will need to have collision and comprehensive coverage. This will protect the vehicle from an accident or another hazard that can damage it.
If you are like most people, you use your vehicle every day. It is a necessity to go about your daily activities. Being without a vehicle would be a serious inconvenience. If you have basic auto coverage and your car is damaged in an accident where you are responsible, you need to pay for repairs. If you have the available cash or credit to replace your vehicle, then maybe you don’t need anything beyond basic auto insurance, but if you will have difficulty coming up with the cash, then having auto insurance beyond basic will provide the money to repair or replace your vehicle.
If you have comprehensive insurance, you can pay to replace your windshield if it gets cracked or chipped. The cost of replacing a windshield on your own can be quite high, and it is worth considering having this coverage.
Contact our office at Wichalonis Insurance Agency in Cumming, GA when you have questions about auto insurance or any other type of insurance.
