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Differences Between The Types Of Auto Insurance Coverage

In case you get injured in an accident and you have car insurance in GA, then you will be entitled to different benefits. If you have the right coverage and your vehicle get damaged but it is reparable, then your car can be repaired in one of the company recommended shop. In this case, it is up to the insurer to follow up the job to ensure that it is done right. In case you decide to take the car in the workshop of your choice, it is important to know that the company will pay up to the price that the company repairer has quoted. If you are not satisfied by the job done in this case, you will have to talk to the repair shop at your own. However, if your car has been damaged completely or if the repairs will cost more than the value of the car, then the insurer may write off the vehicle. You will get the cash settlement according to the value of the car at the time of the accident. The insurance company will keep the car remains.

If you have Georgia cheap car insurance and your car is being repaired in the insurer repair shop, you have to be aware that the repair parts used has to come from the vintage car of the same make. In case there is a need to use new spare parts while the used spare parts are available, then this is called betterment and the car value will be increased. However, the insurer may request you to contribute toward the repair cost.

In case the criminals had broken into your car and steal some equipments, you may get compensation, if you have comprehensive or all perils coverage. However, you have to be aware that all personal belonging such as golf clubs, fishing equipment, suitcases and briefcases will not be covered by car insurance in GA. These things are normally covered under homeowners or home insurance.

If you get involved into the accident, the insurer may investigate the accident to know who caused the accident. If you are not the one behind the accident then you will benefit from a no-fault insurance compensation. However, if you are the one who caused the accident, be it partially or completely, you will still get the compensation but this will be recorded in your policy. If you are the cause of accident, it may lead to high premiums in the future.

If you have the no-fault Georgia cheap car insurance, it means that you will have to deal with your insurance company regardless of who may have caused the accident. In case the company found you that you are at fault for at least 25 percent, then you may begin to pay high premiums when you go to renew your policy. In case you are not happy with the decision of the company, you can ask the fault handlers to revise your case. (1)

Regardless if you have been in the accident or not, you can easily learn about how much you have to pay by entering your zip code in the provided box.