Understanding Liability, Collision, and Comprehensive Coverage
Many drivers believe that “Full Coverage” means your car insurance covers absolutely everything. In reality, it refers to a combination of three key coverages: Liability, Collision, and Comprehensive.
Liability Coverage
This coverage pays for injuries or damages you cause to others if you are at fault in an accident. It includes:
• Medical costs for the other party.
• Repairs to their vehicle.
• Property damage (such as poles, buildings, or public structures).
Liability coverage is the minimum required by law in Georgia and South Carolina.
Collision Coverage
This protects your own vehicle if it is damaged from:
• A collision with another vehicle or object.
• A rollover accident.
Collision coverage typically includes a deductible (usually between $250 and $1,000). A higher deductible reduces your premium but increases what you pay out-of-pocket in case of a claim.
Comprehensive Coverage
This covers non-collision incidents, including:
• Theft, vandalism, fire, or natural disasters (like floods or hurricanes).
• Damage from hitting an animal on the road.
• Broken or cracked windshields (in some policies).
Additional Coverages to Enhance Your Protection
• Medical Payments Coverage: Helps pay medical expenses for you and your passengers after an accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver who has no insurance or insufficient coverage, including hit-and-run accidents.
While Georgia only requires liability coverage by law, lenders will require Full Coverage if your car is financed.
Ready to get the protection you truly need? Learn more about our Auto Insurance Services and get covered today!