Most people are aware that you are required, by law, to maintain valid auto insurance in the state of Georgia. But did you know that if your auto insurance is cancelled, an automatic notice is sent directly to the Department of Motor Vehicles (DMV), and the DMV will suspend your registration?
Now, that's a pretty big deal, but it isn't even the biggest reason to carry auto insurance coverage. The biggest reason to have auto insurance is to ensure that you can afford to pay for damages should you cause an accident. This coverage is called liability. And if you don't have it, or have it but carry low coverage limits, you could be setting yourself up for financial disaster - all because of a mistake.
Don't believe the myth of, "If you don't have anything, no one can get anything." The truth is that in a court settlement, future wages can be attacked, properties can have liens placed against them and more.
In addition to liability coverage, you'll want to protect yourself and your vehicle from other drivers who are not insured or have low liability coverage by purchasing uninsured motorist coverage at limits matching your liability coverage. You may also want to protect your vehicle by purchasing physical damage coverage for your car called collision and comprehensive coverage.
Take a look at the variety of auto insurance coverage we offer below, and Contact Us to learn more about coverage for your specific needs.
Types of Auto Insurance Coverage
Liability Protection* (State Required)
Medical Payments Protection* pays reasonable medical expenses for you or members of your family if you are injured in an auto accident or as a pedestrian struck by an auto. This protection is extended to others who are injured while occupying your auto.
Uninsured Motorist Protection* provides bodily injury coverage for accidents caused by a hit-and-run driver or uninsured driver, which occurs when you or your family are driving a covered auto. Uninsured Motorist Protection also covers property damage. Additionally, it pays for damage you are legally entitled to recover from another party when that person's liability insurance is not adequate to cover your loss.
Collision Protection protects you from loss caused by damage to your auto by collision with another object.
Comprehensive Protection is coverage which pays for other losses to your auto, including damage or loss caused by fire, theft, glass breakage, falling objects, natural disasters, vandalism and other causes of loss.
You can increase your protection with these optional coverages: Towing and Labor Costs Coverage,* to pay for emergency repairs and/or towing when your car breaks down; and Rental,* for the expense of renting a substitute vehicle when there is a loss to your car.
*Coverage is limited to the limits of the policy for Liability Protection, Uninsured Motorist Protection, Medical Payments Protection, Towing and Rental.
THE WHORTON AGENCY, INC.
Better Service. Better Value. Better Choice.
106 Bankhead Hwy, Carrollton, GA 30117
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