In 2014, there were 38 claims against car insurance in Lilburn, GA for auto thefts. In 2005, that number was double! While it is common perception that car theft is rampant, car insurance agents in Lilburn, GA know that is simply not the case. Lilburn, GA does, however, have more fatal accidents than the rest of Georgia on average, year to year.
Pedestrians involved in fatal accidents are four times higher than the rest of Georgia annually. For such a small town, these numbers can be surprising. Yet without this information, you may be driving with the wrong car insurance coverage for the local area!
Car Insurance Agents in Lilburn, GA Can Save You Money!
While these statistics may sound frightening, that’s certainly not the intent. As a consumer, you must know the type of coverage you need in order to save thousands of dollars or denied claims – even worse, frivolous lawsuits not covered by your car insurance carrier!
Common Myths Cost You Money
It’s important not to believe many common car insurance myths. Otherwise, you could spend thousands of dollars and be very surprised when you find out after an accident that you aren’t covered!
You only REALLY need the minimum amount of liability coverage required by law
Car insurance in Lilburn, GA is only legally required to cover the following:
- Bodily Injury Liability: $25,000 per person/$50,000 per accident
- Property Damage Liability: $25,000 per person
- Uninsured Motorist Bodily Injury: $25,000 per person/$50,000 per accident
- Uninsured Motorist Property Damage: $25,000 with deductible options
Yet with the rising costs of medical coverage and the amount of consumers electing not to purchase health insurance, in addition to the chance of colliding with an expensive new vehicle, you could find yourself in court for uncovered costs several times the amount of legally required car insurance in Georgia. Accidents almost always cost more than the minimum limits! At that point, you will be required to come up with the money – out of pocket, out of your assets – bankruptcy could be just around the corner after an auto accident.
Most experts suggest a minimum of $100,000 of bodily injury protection per person and $300,000 per accident.
If other people drive your car, their auto insurance will foot the bill
Don’t ever loan your vehicle to a friend or relative without understanding that in most states, only the auto insurance policy on the vehicle will cover costs incurred by an accident. This means that you and your car insurance are liable – regardless of who was behind the wheel. If you relocate to a new state, always double check state laws regarding liability as well, as they can vary from state to state.
Your auto insurance will cover your vehicle if you use it for Ridesharing
Ridesharing apps like Uber and Lyft are great options to earn extra income, especially in cities like Lilburn, GA with its proximity to Atlanta. Yet if you use your personal vehicle for business purposes, such as ridesharing, your car insurance may deny any claim in the event of an accident. Always double check with a local car insurance agent in Lilburn to see if you need additional Ridesharing coverage before using your car for cash.
Car Insurance Agents in Lilburn, GA Can Set the Record Straight
If you’re unsure about any common car insurance myth, local car insurance agents in Lilburn, GA can set the record straight. Trust the professionals to know which type of claim is most likely in your area, additional coverage that you may need, and any discounts that may apply. You could save thousands of dollars in claims and lost wages by speaking to a car insurance agent today.