Personal & Commercial Auto Insurance IN GEORGIA
What is Auto Insurance?
Specifically, commercial auto insurance in Georgia provides coverage for business-owned vehicles, offering protection for accidents, theft, and property damage. Whether you operate a fleet of delivery trucks or just a single company car, this insurance is essential to meet legal requirements and safeguard your business from unforeseen liabilities.
Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.
Auto insurance may also offer financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.
Auto Insurance Coverages
There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
- Bodily injury liability - for injuries the policyholder causes to someone else.
- Medical payments or Personal Injury Protection (PIP) - for the treatment of injuries to the driver and passengers of the policyholder’s car.
- Property damage liability - for damage the policyholder causes to someone else’s property.
- Collision - for damage to the policyholder’s car from a collision.
- Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
- Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
Contact us to learn more about the right car insurance for you.