There are requirements for car insurance with no variables. But there are also options an auto owner can choose that will make a policy more suitable to him or her. If a driver is low-risk, he or she may have more options because that puts them in a category of preference. Car insurance in Atlanta has options, such as personal injury protection, rental reimbursement, towing and labor costs coverage, sound system coverage or gap insurance.
Personal Injury Protection Option
Personal injury protection, or PIP, addresses the needs of coverage for medical expenses, lost income or child care expenses. There are expenses with other parts of the insurance policy that will not cover either in part or at all. PIP covers the driver, as well as the passengers. In some states, it is referred to as “no-fault coverage.”
Towing and Labor Costs Option
No one wants to be stranded out on the highway at 2 AM. Also the costs of auto repair are always more expensive out on the road. This coverage assists the car owner with towing and repair expenses. If the owner has AAA coverage for towing, this may be excessive, but it is an available option from companies offering car insurance in Atlanta. Particularly, if an individual travels a big percentage of the time, he or she may find it financially wise to have coverage for car repair labor costs.
Rental Reimbursement Option
An accident always seems to happen at the inopportune time in your life when you simply have to have transportation. This option in car insurance in Atlanta will reimburse the cost of a rental car while your car is being repaired. The rental reimbursement option gives coverage when a car is stolen and you need a rental until as well.
Sound System Coverage Option
This may be of lower importance to most car owners, but if it is important, it is available. The sound system coverage is for the individual who wants to trip out his or her car with a high-dollar, high-tech sound system.
Gap Insurance Policy
This option in car insurance in Atlanta is utilized when the loan carried on the car is higher than the car value. If the car owner has an accident and totals the car, the loan company will be protected because the gap insurance will cover any short fall of the collision coverage that is required.