Georgia Auto Insurance Information - Gwinnett County Area
The value of good auto insurance often doesn't become apparent
until you really need it. Whether it's a minor fender bender or a more
substantial accident, it pays to have Georgia auto insurance
coverage you can count on.
Let one of our experienced Georgia auto insurance policy specialists
explain the different Liability limits, Comprehensive, Collision,
Personal Injury Protection, Uninsured Motorist, Medical coverages,
and deductibles that are available for you to choose from. We offer
affordable truck and car insurance policies from a leader in the
insurance industry.
Learn more about Georgia Auto Insurance
policy coverage options below!
Click on the link below to fill out a quote request form for an Georgia
Auto Insurance policy that will provide excellent auto insurance
coverage at an affordable cost. Or you can speak with our Georgia
Auto Insurance agent specialist at (770) 837-2250 to discuss the
policy features in more detail.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Underinsured Motorist Coverage - Georgia Auto Insurance Policy
This coverage comes into play when an at-fault driver has auto or motorcycle liability
insurance, but the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused
by a driver who has insufficient auto or motorcycle insurance coverage. The auto
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required auto
insurance coverage in Georgia.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between
the coverage limit you select and the other driver's property damage coverage limit.
This is also not a required coverage in Georgia.
Georgia Auto Insurance Policy FAQ
Click on the link below to fill out a quote request form for a Georgia Auto Insurance
policy that will provide excellent auto insurance coverage at an affordable cost. Or
you can speak with our Georgia Auto Insurance specialist at (770) 837-2250 to
discuss the features.
Comprehensive Coverage - Georgia Auto Insurance Policy
Covers damage caused to the insured's auto (your automobile) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The
deductible is the amount you choose to pay upfront (if any) before the auto insurance
policy pays. The higher the deductible chosen the lower the comprehensive coverage
cost within the Georgia auto insurance policy.
Collision Coverage - Georgia Auto Insurance Policy
Covers damage caused to the owners auto from a collision caused
by another auto or other object. The deductible is the amount you
choose to pay upfront (if any) before the Georgia auto insurance
policy pays. The higher the deductible chosen the lower the collision
coverage cost within the auto insurance policy.
Georgia Auto Insurance Policy FAQ
Georgia Auto Insurance Policy FAQ
Georgia Auto Insurance Policy FAQ
Liability Coverage (Bodily Injury & Property Damage) - Georgia Auto Insurance
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an auto
insurance policy. The minimum liability insurance coverage available for purchase in
Georgia is 25/50 and is explained in detail below. However, we recommend that you
choose liability insurance coverage amounts that are much higher than the minimums
listed above that are required by the state of Georgia. Contact us at (770) 837-2250 to
discuss what liability coverage amounts you require to meet your family and personal
needs.

Georgia Liability Coverage limits explanation:
25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a motorcycle,
car, truck, fence, or house, is covered through property damage auto insurance coverage.
This coverage also assists in protecting you if a lawsuit arises from an accident. The
minimum coverage amount in Georgia is $25,000.
Medical Payments Coverage - Georgia Auto Insurance Policy
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches,
slings, neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.

$5,000 death benefit

Georgia Auto Insurance Policy FAQ
Georgia Auto Insurance Policy FAQ
No Fault Coverage (PIP) - Georgia Auto Insurance Policy
Georgia does not require "No Fault" insurance coverage. This coverage pays medical
bills for injuries suffered in an auto accident regardless of who caused the accident.
Medical payments coverage pays for the medical and funeral expenses for you or others
hurt or killed in an accident while riding in or driving your car or truck. Claims against this
coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental,
professional nursing, prosthetic, and funeral expenses. It will also cover you or members
of your family if you are hit by a car when you are walking or if you are riding in another
car or truck. This coverage will pay for your medical and funeral expenses even if you
cause the accident. The coverage is often limited to medical care you get in the first one,
two, or three years after the accident and is limited to a specific dollar amount. This is
not a required Georgia Auto Insurance coverage.
Georgia Auto Insurance Policy FAQ
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.

Uninsured Motorist Coverage - Georgia Auto Insurance Policy
Example of uninsured motorist limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault
driver who has no auto liability insurance. This coverage is not required for Georgia Auto
Insurance. Contact us at (770) 837-2250 to discuss what uninsured coverage amounts you
require to meet your family and personal needs.

We are a Grayson, GA insurance agency, offering affordable Georgia auto
insurance policy premiums in the following cities and counties in Georgia: Stone
Mountain, Alpharetta, Buckhead, Canton, Cumming, Buford, Braselton, Sugar Hill,
Hoschton, Gainesville, North Atlanta, Tucker, Pine Lake, Mountain Park, Glen
Haven, Clarkston, Belmont, Redan, Pittsburg, Lilburn, Luxomni, Snellville, Five
Forks, Centerville, Caleb, Zingara, McElroys Mill, Rosebud, Atlanta, Loganville,
Walnut Grove, Youth, Between, Windsor, Nicholasville, Alcovy Mountain, Bold
Springs, Campton, Monroe, Jersey, Whitney, Pannell, Lithonia, Panthersville,
Dialtown, Flint Hill, Conyers, Milstead, Klondike, Panola, Snapfinger, Magnet,
Gloster, Bethesda, Pleasant Hill, Norcross, Pittman, Mechanicsville, Meadow,
Duluth, Berkeley Lake, Lawrenceville, Forest Hills, Suwanee, Scottdale, Belvedere,
Northwoods, East Lake, Decatur, Avondale Estates, Rehoboth, North Decatur,
East Atlanta, Dunwoody, Oakhurst, Druid Hills, La Vista, Brookhaven, Roswell,
Doraville, Marietta, Smyrna, Winder, Auburn, Gwinnett County, Dekalb County,
Rockdale County, Walton County, Newton County, Hall County, Barrow County,
and Fulton County, GA.
Auto
Insurance
Lindsey Insurance Group
512 Grayson Parkway
Suite A
Grayson, Georgia 30017
Gwinnett County, GA
(770) 837-2250
Fax: (866) 546-3954
Georgia Auto Insurance
Proudly serving
Georgia since 1999!
LINDSEY
Insurance Group
Stone Mountain, Georgia
Atlanta, Georgia
Site Built & Maintained by InsuranceWebsiteServices.com
Copyright 2006-2011 John Lindsey & Associates, Inc. - All rights reserved
Reducing Auto Insurance Premiums for Teens
Having a teenager included on your auto insurance policy will always cost substantially more,
but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's
are more prone to accidents, especially ones caused by speeding. A disproportionate number
of teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class at
their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's auto
insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will decrease as
they get older.
Georgia Auto Insurance Endorsements
Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers choose
these services for the added security and convenience they provide.
Georgia Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because of a
covered event.
Georgia Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This policy is
often combined with auto towing coverage and called Roadside Emergency Towing
Insurance. Changing a flat tire on the roadside may also be covered, but you will need to
pay for repairs received at the garage or other repair location.
Georgia Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window on your
car is required.
Georgia Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
Additional Auto Insurance Policy Information
What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance policy
below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your policy, it
will have been prepared especially for you. It will list the specific auto insurance coverages
and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the payment
of your auto insurance premium. The type and amounts of each coverage you've
purchased is described in detail and also outlines exactly who is covered under each
provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that would
free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim situation.
Will include guidelines for contacting the insurance company, obtaining a police report,
and filing a claim. Information on auto insurance policy cancellation will be outlined here,
too.
Click on the link below to fill out a quote request form for a Georgia Auto Insurance
policy that will provide excellent auto insurance coverage at an affordable cost. Or
you can speak with our Georgia Auto Insurance specialist at (770) 837-2250 to
discuss the policy features in more detail.
Georgia Auto Insurance Coverages
Reduce Your Georgia Auto Insurance Premium
If you have an older car, you can lower your Georgia auto insurance premium by
reducing or dropping your collision or comprehensive coverages. Cars being sold
today are much more costly to repair, just ask your auto mechanic the next time
you see him. If you damage your older car in a car accident, it's likely that your
repair costs will be lower than those for a newer car with similar damage. The
amount of Georgia auto insurance premium that goes toward that coverage
option is only slightly reduced for older cars than for newer ones. You can usually
save some premium by taking on a small amount of risk.
Lower Auto Insurance Premium - Increase Your Deductibles
Auto insurance premiums are based on the amount of coverage you have, and
the deductible you must pay before an insurance claim is paid. Auto insurance
deductibles usually range between $100 and $1,000. A lower deductible raises
the premium amount, and a higher deductible will lower your monthly Georgia
auto insurance premium.

You should consider setting your deductible at an amount that you are
comfortable with. Determine the amount that you could afford to spend on your
car in any given month if you had an accident. The amount that won't prevent
you from paying all your bills is a good amount for an auto insurance deductible.

Remember though, if you have an car accident, the deductible you've chosen
must be paid before the insurance company will pay for your repairs, and there
can be hidden costs in a car accident. For example, your Georgia auto
insurance policy may not pay the cost of a rental car while your car is being
repaired.
Low-Mileage Discounts
The more miles you drive, the greater the chances of being involved in an
accident. Most auto insurance companies offer discounts to drivers who
keep the number of miles they drive each year under 10,000 to 12,000 miles.
Moving Violations
Most automobile insurance companies provide discounts to drivers who have
not had a moving violation in the past 3 years. Insurance companies consider
speeding tickets and accidents the most serious moving violations which have
an impact on your Georgia auto insurance premiums.

Review your driving record prior to shopping for Georgia auto insurance. You
may want to consider holding off on buying new auto insurance if you have a
moving violation which can be removed from your records within a short period
of time.
Reduce Auto Insurance Premium - Fewer Accidents
Auto insurance companies want to insure the best drivers. Safer drivers have
fewer accidents, fewer speeding tickets, and make fewer claims. Every time
you are involved in an auto accident or a moving violation, the state where you
are licensed assesses points to your driving record. Auto insurance
companies limit their risk exposure by charging higher premiums to drivers
who have more points on their driving records. Convictions of driving under
the influence of drugs or alcohol is often viewed as much more serious than a
speeding ticket or a car accident by insurance carriers.

If you think that you apply for good driver rates, be sure to ask companies
when you are shopping for auto insurance what their "good driver" discounts
are. Compare that price to the good driver rates of other companies, to help
determine what the best Georgia auto insurance policy is for you and your
family.
Reduce Auto Insurance Premium - Anti-Lock Brakes
Anti-lock braking systems help prevent car accidents by shortening stopping
distances on wet and dry surfaces. Most car brakes without anti-locking
mechanisms will lock if the driver slams the brake pedal, which can cause
hydroplaning in wet conditions or skidding on dry surfaces. The proper way to
avoid this is to pump the brakes. People are limited in the speed with which
they can pump a brake pedal, so anti-lock brakes do the pumping for you and
improve safety.

Auto insurance companies want to reduce the chance that their policy holders
will have a car accident. The auto insurance discounts offered are another
incentive to buy cars equipped with anti-locking brakes.
Multiple Insurance Policy Discount
Many auto insurance companies will offer lower premiums if you have multiple
insurance policies with the same company, or multiple vehicles insured under
the same policy. This works differently depending on which specific insurance
company you are dealing with.

Insurance companies will offer discounts if you purchase a homeowners
insurance policy or an umbrella insurance policy to go along with your Georgia
auto insurance policy.
Click on the link below to fill out a quote request form for a Georgia Auto
Insurance policy that will provide excellent auto insurance coverage at an
affordable cost. Or you can speak with our Georgia Auto Insurance specialist
at (770) 837-2250 to discuss the policy features in more detail.