Auto Insurance | EZ Insurance Solutions

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Auto Insurance

EZ Insurance Solutions will help you pick the
right coverage and will make sure you know why

Auto insurance is the most commercialized
and common insurance coverage.

Nonetheless, it is important to acquire the right policy that will cover damages to your vehicle, yourself and your passengers, as well as other people involved in an accident. It is very important to know that in the state of Georgia law requires a minimum liability coverage of $25,000 in bodily injury per person, $50,000 in general liability per occurrence and $25,00 of property damage per occurrence.

EZ Insurance Solutions will help you pick the right coverage and will make sure you know why.

Here are some term definitions that will help you
better understand your policy.

Deductible

A car insurance deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. For example, if you’re in an accident that causes $3,000 worth of damage to your car and your deductible is $500, you will only have to pay $500 toward the repair. The insurance company pays the remaining $2,500. For many people, increasing the amount of their deductible is also a great way to save money. That’s because when you choose a higher car insurance deductible amount, it could lower the amount you pay on your insurance premium.

Liability Coverage

This is a must have and usually a requirement. Most states require every licensed driver to carry a certain level of liability insurance. Liability coverage pays for any damage that you inflict on other drivers in an accident. Bodily injury coverage is responsible for injury or death that you cause while property liability covers vehicle and property damage.

Bodily Injury Liability

This type of liability insurance covers the cost of any injuries or the death of a person as a result of an accident you cause. A few examples of coverage would be medical bills, loss of income, hospital bills and pain and suffering damages that are accessed. In the event you are in an accident which eventually ends in a lawsuit it is important to have enough liability coverage to handle any judgment. Bodily injury insurance only covers the victims of the accident. Your own medical bills will not be covered. It is extremely important to carry enough liability coverage because you will be responsible for any damages that exceed your insurance policies limits.

Property Damage Liability

Property damage liability insurance covers damage that you and your vehicle do to another person’s property. While this mainly covers damage to other people’s cars, it also covers fences, shrubs, trees and houses. Property damage liability is not usually required by states but is an important type of insurance to have. Repair bills can quickly add up if you are not carrying enough property damage liability. As with bodily injury this insurance covers the other person’s car, not damage to your vehicle.

Comprehensive Coverage

Comprehensive covers damage done to your vehicle and any vehicle that you happen to be driving. It only covers damage caused by incidents, not collisions. Included would be things such as damage to your car if it was stolen, or in a flood or fire. Check your policy to see what is covered.
Lower your premiums by carrying a high deductible on this coverage.

Collision Coverage

Collision insurance pays for the cost of damage to your vehicle when you have an accident with another vehicle or your car is hit by someone else. If you are driving a low value vehicle it is probably best to drop this coverage. The cost of the insurance can end up being more then the vehicle is worth. Again, keeping your deducible high will reduce the premiums.

Uninsured and Under-insured Coverage

This will cover the cost of repairs if you are hit by someone who doesn’t have any insurance or is under-insured. This type of insurance comes in both liability and collision.

While Auto Insurance can be expensive and a bit of a hassle, furthermore mandatory, it will be worth having when you get in an accident.

Motorcycle Insurance

Motorcycle insurance provides important protection for you, your bike and for any other people who may be harmed if you are involved in an accident, including your passengers. If you are a bike owner, you need to understand the legal requirements for motorcycle insurance in your state, and the additional types of cover which are available.

In the state of Georgia law requires the below minimum coverage:

$25,000 per person for bodily injury.
$50,000 per accident for bodily injury to two or more people.
$25,000 per accident for property damage.

Watercraft Insurance

Watercraft insurance, also known as boat and personal watercraft insurance, often include towing and wreckage removal, as well as fuel spill indemnification. This type of insurance may be purchased for sailboats, house boats, and pontoon boats, as well as other watercraft up to a certain size and value.

The coverage provided by watercraft insurance varies according to the type of watercraft being insured. This is because different types of watercrafts carry different risks. For example, a sailboat and a pontoon boat are characteristically different types of watercraft. Watercraft insurance does not provide liability coverage for injuries caused by the operation of the boat or watercraft.

Resources

Kelly Blue Book

GA Department of Motor Vehicle