Auto insurance plans are designed to help cover potential car-related damages. Your automobile insurance policy will protect you in the case of a car accident. With the right coverages, your policy will repair or replace your damaged vehicle and will also take care of the damages you caused to other people and their property in an accident. Additionally, auto insurance helps protect you in the event of a lawsuit associated with an incident involving your car.
State laws mandate how much liability insurance coverage you must have to for your vehicle to be registered and legal to operate. The Georgia state minimum limits of liabilty is currently 25,000/50,000/25,000. Those numbers mean that if you have state minimum limits and have an accident, your policy will pay up to $25,000 in damages for bodily injury you caused in the accident per person with a limit of $50,000 for the total accident related bodily injuries. The final $25,000 is for property damage you cause in an accident and that is the limit for those coverages. For example, if you had an accident and someone got hurt and you caused their 2015 Ford F150 to be totalled, you policy will pay up to $25,000 for their injuries and only up to $25,000 for their new pickup. If you have shopped for vehicles lately, you know $25,000 will not go far! It is important to have enough coverage to protect yourself!
With so many car insurance companies available, as well as various coverage options to choose from, it's easy to get overwhelmed when deciding which particular company and insurance plan is a good fit for you. But with Palmer Insurance we consider each client's individual needs and make the process of obtaining aforadable insurance a quick and easy process!
We will provide you with rates from multiple insurance companies to help you shop for the best combination of price and coverage and clearly explain the options, so you can make the best decision on which plan works best for you.