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  • Writer's picturemelmanlawgroup

3 Things You NEED On Your Auto Insurance Policy!

An auto insurance policy can include several different kinds of coverage.  Your independent insurance agent may or may not provide professional advice on the type and amount of car insurance coverage you should have to meet your individual needs and comply with the laws of your state. There are also additional coverage options that are not required in the state of Georgia that you may not know about, but should definitely have.

1. Medical Payments Coverage

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car REGARDLESS of who is at fault! This coverage is very cheap and you won't see it advertised on television. It its not required in the state of Georgia, but we highly recommend it.

2. Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured motorist coverage reimburses you, a live in member of your family, or a designated driver if one of you is hit by an uninsured driver or a driver who doesn’t have sufficient insurance to pay for your property and injuries. This coverage also offers protection in the event a covered driver is the victim of a hit-and-run or if, as a pedestrian, you are struck by an uninsured or underinsured motorist. This coverage is also not required, but is HIGHLY recommended. 

3. Rental Reimbursement Coverage

Rental car reimbursement coverage provides you with a rental car in the event your car needs repairs for a claim covered by your insurance policy. Depending on your insurer, it may also cover other transportation costs like cab fare and public transit expenses. Rental reimbursement insurance generally has no deductible.

Your insurance company will not tell you!

Call your agent or insurance company and talk to them about adding these 3 things to your policy. They will not break your bank and you will be thrilled you purchased them when you need it. 

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