United States | GA | Hoschton

State Farm® Agents Near Hoschton GA

Product Highlights

There are more cars and drivers hitting the road every year. With so many vehicles on the road, crashes will happen. The difference between a small aggravation and major pain can be automobile insurance. But why do you need insurance and just how much should you buy? Car insurance protects you by covering the cost of damage caused to your car or another person's car and injury to others, yourself, or your passengers, plus certain other occurrences, such as theft. Auto insurance is required by law in all states and provinces. Without insurance, you risk having to pay the total price of any harm you cause others or of repairing or replacing your car if it is damaged or stolen. Coverage requirements vary by state/province but usually include the following: Liability: Liability pays for damages due to bodily injury and property damage to others that you are responsible for. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal injury protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also cover lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. It pays for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by collision. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverages, like car rental and emergency road service, are also available. Your auto insurance payments varies by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status and * Where you live Many people think of auto insurance as a necessary evil, but it can save your financial well-being. Evaluate your needs, research your options and with the support of your insurance agent make the decision that best suits you.

Auto insurance

State Farm® has been in the business of providing excellent auto insurance coverage at an affordable price since 1922. Responding to our customers' needs keeps us the leader in auto insurance.

Car insurance coverage is designed to help financially cover potential auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property and your vehicle. It can also help protect you in the event of an automobile-related lawsuit.

Home insurance
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