Personal Auto Insurance FAQs Answered 

Navigating the world of personal auto insurance can feel like driving through a maze.

At First Priority Insurance Agency , we’ll serve as your GPS, guiding you through the twists and turns of personal auto coverage.

We’ve compiled some of the most frequently asked questions to help you understand your policy better and make informed decisions about your coverage.

What is Personal Auto Insurance?

Personal auto insurance is a policy designed to help cover financial losses related to your personal vehicle. It may offer protection for you, your passengers and other drivers in case of accidents, theft or damage to your car.

Frequently Asked Questions

How do I add a new driver to my policy?

Contact your insurance agent to add a new driver. You’ll typically need to provide the driver’s name, date of birth, driver’s license number and driving history. Adding a new driver may affect your premium, so discuss potential changes with your agent.

How much coverage do I need?

The amount of coverage you need depends on various factors, including your assets, financial situation and risk tolerance. At a minimum, you should have your state’s required liability coverage limits. Consider additional coverages such as collision, comprehensive and uninsured motorist coverage for more robust protection.

When should I file a claim?

File a claim for significant damage or losses that exceed your deductible. For minor incidents where repair costs are close to or less than your deductible, you might consider paying out of pocket to avoid potential premium increases.

Is theft covered under my auto insurance?

Theft is typically covered under comprehensive coverage, not under basic liability insurance. If you have comprehensive coverage, it may help pay to replace your stolen vehicle, minus your deductible.

Get Your Questions Answered Today

For any questions about your personal auto insurance, don’t navigate these roads alone. Contact First Priority Insurance Agency today for personalized answers and expert guidance.

Our experienced team in Morrow understands the unique needs of Georgia drivers and can help you find the right coverage for your situation.