lunes, 20 de febrero de 2017

Full Coverage Car Insurance?

Full coverage auto insurance does not actually exist, It is a term often used to refer to the combination of collision and comprehensive. A full coverage policy is one that includes several types of car insurance coverage that, as a whole, provide a solid level of protection in case of an accident.
At GUARDIAN INSURANCE AGENCYlocated in Fairburn, Lagrange and Norcross, we explain you the types of coverage that are available to make sure you have auto insurance that fits your needs and helps to protect you against a variety of perils that can cause losses:

-Liability Coverage:

Liability coverage is generally included in all car insurance policies, and it protects you from damage you cause to others or to property as a result of an accident for which you are at fault. Typically, the liability coverage in a car insurance policy will contain three limits: the maximum payment for bodily injury per person, the maximum payable for bodily injury per accident and the maximum payable for property damage.

-Comprehensive and Collision Coverage:

Collision coverage and comprehensive coverage are two optional types of coverage on your car insurance policy, although if you are still paying off an auto loan or if you have a lease on your vehicle, your lien holder or financing company almost always requires these coverages.
Collision coverage typically pays for damage to your vehicle if it is involved in a collision with another vehicle or if it hits an object. 
Comprehensive coverage protects you against losses caused by covered perils not related to a collision. These perils often include storms and natural disasters, such as a hurricane or a tornado, vandalism, theft, falling objects, animal damage or a broken window.

-Uninsured and Underinsured Motorist Coverage:

Uninsured motorist protection: This helps you cover your costs if you get hit by a driver with no insurance.
Underinsured motorist protection: This will help pay your costs if the other driver has insufficient insurance coverage and/or coverage limits.

-Medical Payments Coverage:

Medical payments coverage is an optional coverage that offers protection in various scenarios, which may include an accident that happens when you are in your own vehicle, an accident that happens when you are in someone else's vehicle or an accident in which you are walking and are hit by a car. It can also cover any passengers in your vehicle or any family members who are driving the insured vehicle at the time of the accident.

Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we can help you choose the coverage that's right for your needs.

For more Information contact us: (706) 884-5006 or (770) 969-5666

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