Common Auto Insurance Liability that You Need to Know in Jersey, GA

Did you know that there’s a 1 in 366 chance of you getting into a car accident during a 1000-mile drive? Now imagine the risk if you drive almost every day. One study found that an estimated 77% of drivers have been in at least one accident. 

Even with the most careful driving, accidents can sometimes happen. And you may find yourself on either side of the spectrum, as the victim or the one at fault. Say you cause an accident that leads to damage or injuries to third parties. How will you go about covering the expenses? 

This guide seeks to answer this question by giving you detailed insight into everything you need to know about auto insurance liability in Jersey, Georgia. 

What is Liability Insurance? 

Liability insurance is a type of insurance coverage that protects a person or business from claims or lawsuits resulting from damage to property or injuries to a person. So, auto liability insurance is a type of liability insurance that protects car owners. 

Liability car insurance is mandatory in some states in the United States, including Georgia. So, if you own and drive a car within the state, you must have liability auto insurance. 

The Different Types of Auto Insurance Coverage for Churches

Apart from car insurance liability, including bodily injury and property damage liability, non-profit organizations like churches could optionally take out other car insurance coverage in Georgia. This other insurance coverage, while optional, is important and may save the church a lot of money.

That said, here are other types of auto insurance coverage you can find in Jersey, Georgia: 

• Collision insurance coverage: usually coverage repairs for your car in case of damage from an accident. 
• Comprehensive coverage: coverage repairs from accidents as well as compensation if your car is stolen or destroyed through vandalism, theft, weather-related damage, fire, or hitting an animal. 
• Uninsured motorist coverage: cover can help to foot the bill for bodily harm you incur in case the other motorist has expired liability insurance or none at all. 
• Underinsured motorist coverage: in some cases, the responsible driver might have liability car insurance, but its payout is not enough to cover the damages or bodily harm you’ve undergone. In this case, an underinsured motorist cover can step in to pay the difference. 
• Medical payments coverage: this insurance coverage medical costs for injuries that you or other passengers in your car sustain from an accident. 

What Auto Liability Insurance Coverage and What It Doesn’t

At this point, you already know that auto liability coverage includes the damage you cause to another person’s car or property or any injury you inflict on them when driving. But what does it not cover?

For starters, it does not cover any damage that occurs on your own car. That would require an additional cover, more specifically collision cover. Secondly, it does not extend to any injuries you incur in the accident. So, if you’re hurt, you will need to pay the medical bills out of pocket or use your medical insurance. 

How to Get the Best Rates on Liability Auto Insurance for Churches

Here are 5 things you can do to ensure you get the best rates on auto liability insurance cover for your church: 

Compare Rates From Different Companies in Jersey, GA

It’s important to compare the costs of different auto insurance providers, more so since most companies will spend tons of money on commercials to try and convince you they’re the most affordable in the market. 

Doing the cost comparison can help you learn if an insurance company that claims to be reasonably priced is within your budget. 

Inquire About Discounts

Car liability coverage providers for non-profit organizations like churches offer discounts from time to time. Be on the lookout for such offers to ensure that you get an insurance company with the best rates. 

Maintain a Good Credit Record

Establishing an excellent credit history can reduce your insurance costs significantly. Most insurance companies in Jersey, GA, will use credit details to set prices for their auto insurance policies for churches. 

You can protect your credit standing by paying your bills timely, not using more credit than necessary, and keeping your credit balances as low as you can. Be sure to review your credit record often and have any discrepancies amended fast always to correct your record. 

Take Advantage of Low Mileage Discounts

Some companies give discounts to motorists who drive a lower-than-average number of miles yearly. So, if you can, take advantage of such offers when buying liability coverage. 

Cut Down Coverage on Older Cars

You should think about dropping collision and/or comprehensive coverages on older church cars. If a vehicle is less than ten times the premium, buying the coverage might not be a sensible money move. Learn about the worth of your church cars from auto dealers or banks.

The Importance of a Comprehensive and Collision Policy         

When purchasing liability car insurance, you may not be aware that mandatory coverages aren’t meant to cover damage to your own vehicle. Third-party liability pays for damages you’ve caused to other people’s property or medical expenses for bodily injury after an accident. 

None of these liabilities, only car insurance, will pay for the damage to your vehicle (i.e., if you’re at fault for an accident). When that occurs and your car is totaled or requires repairs, you’ll have to pay for it out of pocket.

However, optional collision coverage will settle the bills for any damages to your car caused by rollover or impact with another vehicle, even if you’re at fault. So, despite being optional, it’s a huge risk not to have it, more since you’ve undoubtedly put significant money into your car or truck.

Understanding Your Deductible Amounts

Unlike liability coverage, both collision and comprehensive coverage have deductibles, which is essentially the amount of a claim you agree to pay out of your pocket. Even if you can choose the same amount in both cases, they are independent of each other. 

For example, you can have a $200 comprehensive deductible and a $300 collision deductible. How much you pay for your deductible depends on your car insurance coverage and how much your car insurance premium is.

Get Your Liability Car Insurance in Jersey, GA Today

Ready to apply for auto insurance for your non-profit organization’s car? Give yourself peace of mind on the road and avoid unnecessary expenses by starting your application today. Church Insurance Man specializes in car liability coverage that’s good value for your money. 

Get in touch with us at (470) 375-8274 for a free quote.