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| Understanding Your Auto Insurance | |
| Q: | What is bodily injury liability? |
| A: | This coverage provides protection if you injure or kill someone while operating your car. It also provides for a legal defense if another party in the accident files a lawsuit against you. In the event of a serious accident, you need enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore it is a good idea to have the same level of coverage for all of your cars. |
| Q: | What is medical payments coverage? |
| A: | Usually this coverage pays for the medical expenses of the injured driver and passengers in your car. There also may be coverage if you are injured by a vehicle as a pedestrian. |
| Q: | What is uninsured motorist coverage? |
| A: | This coverage pays for your injuries caused by an uninsured driver or, in some states, a hit-and-run driver, in a crash that is not your fault. There is also uninsured motorist coverage for damage to your vehicle. Given the large number of motorists, this is very important coverage to have. |
| Q: | What is comprehensive or other than collision coverage? |
| A. | This coverage pays for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. |
| Q: | What is collision coverage? |
| A: | This coverage pays for damage to your car when your car hits or is hit by another vehicle or other object. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. |
| Q: | What is property damage liability? |
| A: | This coverage protects you if your car damages someone else's property. It also provides you with legal defense if another party files a lawsuit against you for damage to their property caused by an automobile accident. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. |
| Q: | What is Loss of Use? |
| A: | This coverage pays for a rental vehicle (usually up to $30 a day) when the insured's vehicle is out of commission as a result of a loss covered under comprehensive or collision coverages. |
| Q: | I have been notified that my Vehicle ID Number (VIN) was not found in the Georgia Department of Revenue database. What do I do? |
| A: | You have received or will be receiving a letter from Georgia Farm Bureau advising we attempted to report your Vehicle Id Number (VIN) to the Georgia Department of Revenue and they have returned the Vehicle Id Number as not found in their database. We need to obtain some information concerning the Vehicle Id Number on file with the Georgia Department of Revenue. For more information, visit the Department of Revenue website. Please return a legible photocopy of your motor vehicle registration form (i.e. your tag receipt) for the vehicle along with the original letter you have or will be receiving from us. We need this information as soon as possible to resubmit your Vehicle Id Number to the state. |
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