Car accidents can happen when you least expect them, and the costs can be high. Having full coverage insurance will protect you from suffering the consequences of major losses, whether the car is damaged or stolen or involves an accident. If you’re a driver in Georgia, knowing how this type of insurance works can help you make smart decisions.
If you’re looking for ways to save on your policy, bundling your insurance could help. A progressive insurance bundle will help cut costs while maximizing full protection for you. Let’s look at how full coverage insurance keeps you safe in different accident situations.
What Does Full Coverage Insurance Include?
Full coverage insurance includes multiple types of protection. Unlike basic liability insurance, which covers damages to the other person and their property, full coverage helps pay for your own vehicle repairs and other losses.
Here’s what it typically includes:
- Liability Coverage – Pays for damages and medical bills if you cause an accident.
- Collision Coverage – Covers repairs or replacement of your vehicle after an accident.
- Comprehensive Coverage – Protects your vehicle against theft, vandalism, or damage due to weather.
- Uninsured/Underinsured Motorist Coverage – Helps if you are hit by a driver with little or no insurance.
- Medical Payments Coverage – Pays medical bills for you and your passengers.
These coverages work together to give you full protection in different situations.
How Full Coverage Insurance Helps After an Accident
1. Covers Car Repairs or Replacement
If the car is damaged due to an accident, full coverage insurance pays for the repairs. If the vehicle is totaled, the insurance returns the market value. Without this coverage, you would have to pay all repairs out of pocket, which can be expensive.
2. Protects You in Hit-and-Run Accidents
If another driver hits your car and drives away, uninsured motorist coverage can assist in compensating the damages. This is very important in Georgia since some drivers don’t have enough coverage.
3. Pays for Medical Expenses
Car accidents can lead to costly hospital bills, surgery, or rehabilitation. Medical payment coverage takes care of these expenses, reducing the burden on you and your family.
4. Covers Damage from Non-Collision Events
Not all vehicle damage occurs due to accidents. Comprehensive insurance will protect your car from:
- Severe weather – storms, hail, hurricanes
- Theft or vandalism – if somebody breaks into or steals your car
- Animal collisions – if you hit a deer or some kind of wildlife
In Savannah, GA, where hurricanes and heavy storms are common, this coverage is especially important.
5. Protects You from Legal Costs
If you are at fault in an accident, you might face legal action. Liability coverage pays for your legal fees, court settlements, and damages, so you can avoid payments out of pocket.
How Bundling Insurance Saves You Money
One way to reduce insurance costs while keeping full coverage is by bundling your policies. A Progressive insurance bundle allows you to combine your auto and home insurance for extra savings.
Benefits of bundling insurance:
- Lower monthly premiums
- Management of claims made easier
- Exclusive deals for Georgia Drivers
How to Choose the Best Full Coverage Insurance in GA
If you’re looking for full coverage insurance in GA, keep the following in mind:
- Compare Quotes – Get prices from different companies to discover which is the best rate.
- Check for Discounts – Look for safe driver, bundling, or low-mileage discounts.
- Choose a Deductible That Works for You – A high deductible means low premiums, but you will pay more out of pocket if you file a claim.
- Review Customer Service Ratings – Pick an insurance provider with good claims support.
Secure the Best Insurance with Savannah Insurance Advisors
Accidents are unpredictable, but you can protect yourself financially with the right insurance policy. Full coverage insurance ensures you’re covered for damages, medical bills, and legal expenses.
If you are in search of low-cost coverage insurance in Georgia, then Savannah Insurance Advisors is the answer. Get an insurance quote today and see how much you can save with a Progressive insurance bundle in Savannah, GA.
Visit Savannah Insurance Advisors today for expert advice and great rates!