Car & Automobile Insurance in Monticello, GA

Liability Coverage

Liability insurance typically consists of two components:

• Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.
• Property damage liability may help pay for damage you cause to another person’s property while driving.

Liability insurance is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law.

Comprehensive Coverage

Comprehensive vehicle coverage may help cover damage to your car from things like theft, fire, hail or vandalism. If your car is damaged by a covered peril, comprehensive coverage may help pay to repair or replace your vehicle (up to the vehicle’s actual cash value).

Typically comprehensive coverage is optional, but your lender may require it if you’re leasing or paying off your vehicle.

Uninsured and Underinsured Motorist Coverage

Uninsured motorist coverage may help pay for your medical bills or, in some states, repairs to your vehicle if you’re hit by a driver who doesn’t have insurance. Underinsured coverage may help if you’re hit by an underinsured driver, who has car insurance but their liability limits aren’t enough to cover your resulting medical bills.

Uninsured and underinsured coverages can be required in some states and optional in other states.

Collision Coverage

If you’re involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage may help pay to repair or replace your car (up to its actual cash value and minus your deductible).

Collision coverage is typically optional, but it may be required by your vehicle’s leaseholder or lender.

Medical Payments Coverage

May help pay for costs associated with injuries if you, your passengers or family members who are driving the insured vehicle are injured in an accident. Covered costs may include hospital visits, surgery, X-rays and more.

Required in some states and optional in others.

Personal Injury Protection (or PIP)

Like medical payments coverage, PIP may help pay for your medical expenses after an accident. In addition, it may also help cover other expenses incurred because of your injuries, like child care expenses or lost income.

Required in some states and optional in other states where it’s available.

Other Coverages

Other optional coverages are available as well, and we can explain all your available options and put together a policy that’s tailored to you.

• Rental reimbursement coverage
• Transportation expense coverage
• Gap coverage
• New car replacement coverage
• Towing and labor cost coverage
• Ride-sharing coverage
• Sound system coverage
• Classic/Vintage car insurance

Because our office is based in Monticello, Georgia, our insurance agency is positioned to provide car and other vehicle insurance services throughout Georgia, as well as South Carolina.  Contact us today to find out what coverages and options are best for you or your business