How Your Auto Insurance Protects Other Drivers

Comprehensive Auto Insurance Solutions from Ransom & Associates Insurance Agency

Your auto insurance policy acts as a protective shield for you, your vehicle, and your passengers. Not only that, but it serves the critical function of safeguarding other drivers as well. If you are based in the Winder, GA area and looking to secure insurance for your vehicle, look no further than Ransom & Associates Insurance Agency. We are here to help you procure the high-quality auto coverage you need, shielding you and others involved in case of an accident or claim.

Working with an Agent: The Benefits

Collaborating with an insurance agent can offer invaluable insights about the insurance policy you are considering and assist you in comparing policy options. We can provide quotes from multiple insurance companies, giving you a wide array of options and helping you select the one that offers maximum benefits. A vital part of that policy is coverage that’s designed to protect other vehicles and their occupants. This offers protection on the road and gives you peace of mind.

Insurance that Protects Others

The segment of your auto insurance policy aimed at covering others does not only promote safety but also backs you in case of a claim against your policy. Accidents can happen unexpectedly; when they do, you want to ensure that you are equipped with the necessary coverage to handle any damages. As you review different policies, our agents can assist you in determining if you want a policy that covers the state’s insurance requirements or if you want to explore additional coverage options.

Contact Ransom & Associates Insurance Agency Today

If you are in the Winder, GA area and seeking auto insurance to protect yourself and others, contact us today at Ransom & Associates Insurance Agency. Partnering with our seasoned agents and exploring different insurance options can enable you to select the optimal policy for your needs. We are committed to ensuring your protection, confidence, and security for all your future journeys.

Auto Insurance Coverage Options

The agents at the Ransom & Associates Insurance Agency serving the Winder, GA area are expressing the importance of having an auto insurance policy in place.

According to the laws of the state of Georgia, all drivers are required to have auto or motorcycle insurance to be able to legally drive. Each driver must have a minimum amount of auto liability insurance that will help pay for property damage or injuries he or she causes in an accident.

Auto Insurance Coverage Options

Uninsured and Underinsured Motorist Coverage

You never know when you may have an accident due to a driver that does not have insurance or does not have an adequate amount of auto insurance period if this happens, uninsured and underinsured motorist coverage can help you repair your car and even pay medical bills that you incur due to injuries that you suffer from the crash.

Comprehensive Auto Insurance

If there is a tornado in your area or some other type of natural disaster, this type of insurance will help you pay for the repairs or replacement of your car, truck, or SUV. This also applies if your vehicle is stolen, suffers damage from a fire, or is vandalized.

Collision Insurance

If you are heading down the street and happen to collide with another vehicle or some sort of stationary object, collision insurance will help you repair your vehicle.

Both comprehensive and collision insurance will be necessary for you to have in place if you still owe a lender for your vehicle.

Contact Us Today

To ensure that you have an adequate amount of auto insurance to protect you and your vehicle properly, contact the trusted and experienced auto insurance agents at the Ransom & Associates Insurance Agency serving the Winder, GA area today!

When should you review your auto policy?

Having auto insurance is a requirement in Georgia. The fact of the matter is, you do need to review your auto policy from time to time to make sure it is still the right coverage, and you are not paying for coverage you don’t need. At Ransom & Associates Insurance Agency in Winder, GA, we give our customers the information that they need to make good choices when it comes to coverage. 

When should you review your auto policy?

When you buy a new car, that is the perfect opportunity to make sure that the coverage you have is adequate. Check the amount of liability coverage that you have. Does it reflect the number of assets that you own? Check the amount of deductible that you have and determine if it is right or needs to go up or down. Also, consider adding gap insurance so that the full value of your auto loan will be paid off if your vehicle is in an accident. Be sure you have full glass coverage. 

When your auto policy comes up for renewal, the carrier will send you a new copy of your policy. Check the front page which is the declaration and lists all your coverage. You can see everything at once. Check to make sure all the names and vehicles are correct. Check the deductible and liability coverage. Look at any add-ons that you have and also check that you are getting all the discounts that you are entitled to. 

When a new driver is added to your policy, it is a great time to make sure that all the coverage that you have is correct and that each driver is assigned to the correct vehicle that they drive the majority of the time.  

Give Us A Call

Contact Ransom & Associates Insurance Agency in Winder, GA to discuss your current auto insurance and what we can do for you. 

Common Auto Insurance Policy Add-Ons

Ransom & Associates Insurance Agency provides coverage to the Winder, GA community and surrounding areas. We proudly serve as an independent insurance agency. We work with multiple carriers across the South. This allows us to offer flexible coverage options to our clients and help them obtain coverage that directly aligns with their situation. We look forward to assisting you.

Common Auto Insurance Policy Add-Ons

Operating a vehicle can be complicated at times. You have to deal with significant risks because of the unpredictable road conditions and the behavior of other drivers. Auto insurance offers a layer of protection as you deal with these unique road conditions on a daily basis. Collision coverage protects you if your vehicle is damaged in a collision with another driver. Liability coverage protects you if you are held responsible for injuring someone with your vehicle or causing property damage. Liability coverage also covers any injuries that a passenger sustains while they are riding along with you. Comprehensive coverage protects your vehicle if it’s damaged due to a collision with an animal or object. You are also covered if your vehicle is stolen or vandalized. Southern weather can extremely volatile. Comprehensive coverage protects your vehicle if it’s damaged due to inclement weather. Here are some common add-ons that you can add to your policy.

Emergency Assistance

Perhaps you are taking a road trip out of Winder, GA and you suffer a flat tire or your engine starts having trouble. Emergency assistance coverage protects you by ensuring that you will receive immediate attention for your issue.

Modified Auto Coverage

Suppose you plan to install custom accessories on your vehicle. In that case, you can add modified auto coverage to ensure that you are covered in the event that something happens to your vehicle after the upgrades have been installed.

Ransom & Associates Insurance Agency Will Help You Cover Your Assets

Contact us today to learn more information about auto insurance.

The Importance of Having Adequate Liability Coverage in Your Auto Insurance Policy

If you buy auto insurance to avoid rubbing shoulders with the local law enforcement, you’re purchasing the policy for the wrong reasons. When purchasing insurance, it’s always prudent to go beyond price and law requirements to promote safety for you and other road users. At Ransom & Associates Insurance Agency, we recommend speaking to an insurance advisor before purchasing a policy. Here are a few benefits of having adequate insurance.

Helps Prevent Lawsuits

The main reason why many victims of road accidents go to court is that they feel they were not fairly compensated. However, an injured party may not have to sue you if you compensate them adequately through your policy. That means carrying enough liability coverage, which will take care of the damages and injuries.

You Don’t Have to Incur’ Out-of-Pocket’ Costs

Accidents are pretty expensive, especially when they involve multiple cars or properties. It’s easy to find yourself not having enough money to pay for the wreck or medical bills. That’s why you may want to buy enough uninsured/underinsured motorist coverage, personal injury protection, and liability coverages.

Auto Insurance Protects Other People Using Your Car

The best part about auto insurance is that it covers your family and friends. Whether it’s you, your son, your employee, or your friend driving the car, auto insurance will cover damages and injuries that may result from an accident through your policy. Personal injury protection also covers your passengers.

The Policy Protects You Too

Even though only liability is required, there is a coverage that protects you too—personal injury protection. If you are involved in an accident with an uninsured motorist, this coverage may help pay your medical bills.

Don’t just buy the minimum; buy enough auto insurance to protect yourself, your family, and other road users in Winder, GA. For more information, quotes, or policy discussions, contact Ransom & Associates Insurance Agency today.