Understanding your Auto Policy

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Auto Insurance


Buying or renewing an insurance policy can feel like a monumental task. At Plemons Inc, we resolve to make shopping for auto insurance easier than ever. Our insurance agents offer free reviews, which helps identify any gaps in your coverage and makes sure you’re getting the discounts you deserve. With the level of customer service at Plemons Inc, you can take a more proactive approach to your auto insurance without taking up your whole afternoon.


Our insurance agents can guide you through the basic coverage types, limits and state requirements that apply. We can also go over discounts that may apply, such as a multi-policy discount and our good student discount. At Plemons Inc, we pride ourselves in helping you find the insurance you need at a price that’s right for you.


Does your current Agent listen to you?

Did you know that 90% of clients we speak to did not pick the coverages they currently have on their policy?? Also many do not even know what coverage they have or need. Call us and our team can review your current policy for FREE and show you the difference - 404-328-8140

Key Facts About Auto Liability Insurance

In most U.S. states, auto liability insurance coverage is a legal requirement for driving a car. Yet the most basic policy may not provide the coverage you need if you’re in a serious accident. It pays to understand liability car insurance and adjust your policy to meet your needs and budget.

There are two basic components of liability car insurance: bodily injury coverage and property damage coverage.

Bodily injury liability coverage may pay for harm to other people

Bodily injury liability coverage may help pay the costs if people are injured or killed in a covered accident you cause. This may include medical expenses, loss of income and, in some cases, legal fees if you are sued.

Property damage liability coverage pays for other people’s property, not yours

Property damage liability insurance helps pay for damage done to someone’s property as the result of a covered accident for which you are responsible. It may help cover the expense of repairing or replacing a car, fence or other property damaged during the covered incident.

Minimum limits on auto liability insurance may not provide enough coverage

A limit is the maximum dollar amount your insurance may pay per event. For example, if you have a property damage limit of $10,000 and cause $15,000 in damages in a covered accident, you are responsible for the excess $5,000.

If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.

Required minimum amounts on liability car insurance vary from state to state

How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.

Auto liability insurance alone does not cover your car

If you opt for liability car insurance alone, you’re legally covered, but damage to your vehicle isn’t. That could cost you thousands to repair or replace the vehicle you depend on every day. Collision coverage andcomprehensive car insurance coverage help pay for damage to your vehicle if coverage applies.  

Auto insurance options can enhance your coverage

If you lend your car to friends for personal use, you need to make sure any accidents caused by them would be covered. Borrowed car insurance is a simple and inexpensive option you can buy with your auto liability insurance policy for extra protection. It may also provide coverage if you occasionally use your car for business purposes and are involved in a covered collision with another driver. Get the details from your actual policy.

If you don’t own a vehicle but borrow someone’s car longer than a month or rent a vehicle on a regular basis, you should buy non-owner auto insurance to help pay any claims if you are at fault in a covered accident. 

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

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