Shopping sprees for new clothes; last minute sports physicals and dental appointments; and Moms dissecting newspapers and the internet for school supplies coupons are just a few signs of BACK TO SCHOOL time! It’s also a great time for a refresher regarding a few basics of auto insurance. In the spirit of going “Back To School”, Sleek & Williamson would like to share a few “ABC’s” of auto insurance:
A – ACCIDENT
We hope you never have to experience an accident, but if you do, try to remain calm in order to access the situation. Check for any injuries to yourself or passenger(s) and call 911 immediately if necessary. If possible, move your vehicle off the road onto the shoulder or side street and turn on your hazard lights. Locate your driver’s license, vehicle registration and insurance policy. Contact the police to obtain an accident report and then call your insurance agent for instructions on processing the claim. Your insurance agent can also assist you with possible roadside assistance.
B – BURGLARY
If your vehicle has been burglarized or stolen, call 911 immediately to report the theft. Then call your insurance agent to let them know the situation and to discuss the necessary steps moving forward to process a claim.
C – COVERAGE
Auto insurance in the state of Georgia is mandatory. However, liability is the only coverage required in Georgia. The policy must have the minimum coverage amounts of 25/50/25 to cover injuries or damages you are liable for due to an accident. This translates to bodily injury of $25k per person/$50k for multiple people in an accident; and for property damage of $25k for one incident. We recommend you consider additional auto coverage to maximize your protection. Contact Sleek & Williamson to discuss additional coverage options that are right for you.
D – DRIVER’S TRAINING & DEFENSIVE DRIVING COURSES
Check with your insurance agent to see what options are available in your area. Not only are these smart options to help your teen be a safer driver, but you may also qualify for insurance discounts upon completion of one or both of these courses.
While we strongly recommend you depend on insurance experts such as Sleek & Williamson to guide you through the auto insurance process, we hope these few ABC’s are a refresher to understand coverage and how to address some real life challenges.
No matter what life situation crosses your path, you can depend on the team at Sleek & Williamson to have you covered. If you have any questions regarding auto insurance or other lines of insurance coverage, please give us a call today at (770) 489-2403.
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