Personal Lines
Auto Insurance
The right coverage protects you, your passengers, and your finances—whether it's a fender bender or something more serious.
More Than Just the Minimum
Georgia requires liability coverage, but minimum limits may not be enough to protect you after a serious accident. We'll help you understand what each coverage does and find a policy that fits your life and your budget.
Coverage Types Explained
Here's what each coverage does and why it matters.
Liability Coverage
Covers bodily injury and property damage you cause to others in an at-fault accident. Georgia requires minimum limits, but we often recommend higher limits to protect your assets—especially if you own a home or have savings.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault. If you're financing or leasing your vehicle, your lender likely requires this coverage.
Comprehensive Coverage
Covers damage to your vehicle from events other than a collision—theft, vandalism, fire, hail, flooding, or hitting an animal. Often paired with collision coverage for full physical damage protection.
Uninsured / Underinsured Motorist
Protects you if you're hit by a driver who has no insurance or not enough to cover your damages. In Georgia, a significant number of drivers are uninsured—this coverage is more important than many people realize.
Medical Payments
Helps pay medical expenses for you and your passengers after an accident, regardless of who was at fault. It can supplement your health insurance and cover costs like ambulance fees, hospital visits, and follow-up care.
Let's Find the Right Coverage for You
Whether you're insuring a new car, adding a driver, or just haven't reviewed your policy in a while—we're here to help. Local agents, honest answers, no pressure.