Why Auto Insurance in Athens Ga. & Oconee County Is So Important

Some people in Athens call it "magical".  But this time of the year, when The University of Georgia campus comes to life with new students, and a new fall semester, the energy and excitement of the thousands of new students in Athens, Ga. is energizing in so many different ways. 

Businesses all around Athens and Oconee County spring to life with new customers, and public transportation takes on a whole new meaning to tens of thousands of people.

But also the roadways in Athens and Oconee County fill up... and fast!

With the huge influx of cars on the road in Athens, Ga. comes an increased level of risk to those who are driving on these road.  And looking across the demographic who make up this increased population of drivers in Athens, the age group ranges between 18 and 22 years old.

All of this means that now is a great time to review your auto insurance policy if you live in the Athens or Oconee County area.  It's an exciting time to be here in Athens, but having the right car insurance coverage is critically important.  You want to ensure that you, and your family, and have the proper coverage in place for any scenario.

Key Areas For Car Insurance

When it comes to reviewing your auto insurance policy, there are few key areas that you'll want to review with your auto insurance agent in Athens, Ga.  

This is by no means an all inclusive list, but should help point in the right direction in your conversation with your agent.

#1:  Bodily Injury Liability

Arguably one of the most important pieces of the auto insurance policy is the bodily injury liability coverage.  This coverage applies to injuries that you, or anyone that's driving your vehicle, may cause to someone else in an accident.  This includes your family members, and yourself, when you are driving another person's car with their permission.  

This particular insurance coverage is critically important because if you are involved in an accident where other people injured, then you could be looking at a large sum of money that the other person or their family could be suing you for.  Most states have a minimum amount of bodily injury coverage that's required to be carried, but it's always recommended that you go above and beyond the minimum coverage amounts.

#2:  Uninsured & Under-Insured Motorist Coverage

No one likes to think about this one, but the reality is that lot's of drivers are out there on the road who are either uninsured or under-insured motorists.  And the uninsured / under-insured motorist coverage comes into play when an at-fault driver does not have adequate coverage to pay for damage caused to persons or property.  

One interesting feature of this particular coverage is that it also covers you if you are hit as a pedestrian.  

Like I said, here in Athens, Ga. and Oconee County, there a lot of new drivers on the road and having the proper car insurance coverage in place is critically important.  

Call your local car insurance agent in Athens, Ga. today to ensure you have the right amounts of coverage in places.