Beyond Liability: The Importance of Full Auto Insurance

Since we began serving Suwanee, GA, we’ve noticed that many people only choose the bare minimum liability insurance for their vehicles. We, at Insurance Pro Group, Inc., feel it’s important to address the other options available to you. We hope by the end of this post our readers will understand why a fuller policy is the better investment!

What is full auto insurance?

In short, full auto insurance is a package of policies designed to protect you and your vehicle from common hazards. This usually includes protections for liability, collisions, and comprehensive coverage for incidents that are not the direct result of an accident.

  • Liability – Coverage for damage and bodily injury to others in an accident you caused. It does not cover damage or injury to yourself or your vehicle. This is barest minimum coverage required by the state.
  • Collision – Coverage for repairs or replacement of your vehicle after an accident. This usually covers incidents of running into another car, running into objects, or rolling the vehicle. 
  • Comprehensive – Coverage for damaging incidents that are not the direct result of a collision or accident. This can include fire damage, vandalism, theft, falling objects, or natural disasters. 

Why is full auto insurance important?

While a basic liability policy will allow you to drive legally, it can’t protect your assets after an accident. Should you, unfortunately, cause an accident, liability coverage will only cover the expenses of the person you crash into. This means that all damages to your vehicle will have to be paid out of your pocket. These costs can quickly pile up and may make it impossible for you to fix your vehicle.

If you’re a driver in the Suwanee, GA area, allow Insurance Pro Group, Inc. to find you a full auto insurance package to keep you on the road!