Car Insurance in Athens, GA, Monroe, GA, Elberton & Surrounding Areas

Car Insurance in Greensboro, GA, Athens, GA, Monroe, GA, Commerce, GA, Elberton, Loganville,

5 Things to Know about Car Insurance 

Griggs Ficklen Insurance provides car insurance in Greensboro, GA, Athens, GA, Monroe, GA, Commerce, GA, Elberton, Loganville. 

Here are five important things to know about car insurance: 

  • Coverage Types: Car insurance typically offers different types of coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP). Liability insurance is usually mandatory and covers damages you cause to others, while collision and comprehensive coverage protect your own vehicle against different types of damage. 
  • Premiums and Deductibles: Premiums are the amount you pay for car insurance, usually on a monthly or annual basis. They can vary depending on factors such as your age, driving record, location, type of vehicle, and coverage limits. Deductibles, on the other hand, are the amount you must pay out of pocket before the insurance coverage kicks in. 
  • State Requirements: Each state has its own car insurance requirements, including minimum liability coverage limits. It’s important to know and comply with the specific requirements of your state to avoid penalties or legal issues. You can typically find this information on your state’s Department of Motor Vehicles (DMV) website. 
  • Policy Exclusions: Car insurance policies often have exclusions and limitations that specify what is not covered. For example, intentional acts, racing, or using your car for commercial purposes may be excluded. It’s crucial to understand these exclusions to avoid any surprises when filing a claim. 
  • Claim Process: In the event of an accident or damage to your vehicle, it’s important to know how to file a claim with your insurance company. This typically involves contacting your insurer, providing relevant details and documentation, and working with their claims department to assess damages and initiate the repair or compensation process. Understanding the claim process can help streamline the experience and ensure you receive the appropriate coverage. 

Remember, while these points provide a general overview of car insurance, it’s always advisable to consult with a licensed insurance professional or contact your insurance company directly for specific information tailored to your circumstances. Please call us without any hesitation.