Welcome to the website of Jones-Logan Company Inc. As independent agents, we serve the residents of Georgia with auto insurance products from a wide selection of the top carriers in the business. We provide friendly and knowledgeable service to our customers and have been doing so for a number of years. Our team has the experience that you are looking for when it comes to choosing the right coverage. When it comes to your coverage there are basically three different types, liability, collision, and comprehensive.
In the state of Georgia, minimum insurance is required on all autos that will be enjoying driving around our beautiful state. We are a 25/50/25 state which means you must carry $25,000 in personal injury liability per person with $50,000 max per accident and an additional $25,000 for property damage. This is pretty basic given the cost of medical care these days and also the value of a vehicle. You can opt to carry a higher amount of liability insurance to protect your assets.
Collision and comprehensive coverage are optional unless you have a loan or a lease on your vehicle. Your lender or leaser will require that you protect their investment with both of these coverages.
Collision is what it sounds like, coverage for the vehicle in the event of an accident. It will pay for repairs or replacement up to the limits of the policy and likely provide a rental car while you are waiting for the repair. Comprehensive insurance covers other damage that can happen to your vehicle. This includes things like hail, flooding, fire, vandalism, and even theft. Most people count on their vehicle to get to work which makes considering these additional coverages important.
Having an insurance agent like the team at Jones-Logan Company Inc. can make the process of choosing the perfect auto insurance policy so much easier and more pleasant. We look forward to hearing from you. Stop by our office or give us a call and let us give you a no-obligation quote.