Auto Insurance in Lawrenceville, GA
Auto insurance is crucial for protecting yourself and others on the road. It can cover risks such as accidents, theft and natural disasters, providing financial security. Without the right coverage, you could face significant out-of-pocket costs for vehicle repairs, medical bills and legal fees.
At Paramount Insurance & Multiservice, LLC in Lawrenceville, Georgia, we offer customizable auto insurance solutions. With a focus on customer satisfaction and competitive rates, we can help you get the best coverage for your needs. 
What Do Auto Policies Cover?
Auto insurance typically includes several types of coverage:
- Liability coverage may pay for damage and injuries you cause to others in an accident.
- Collision coverage may cover damage to your vehicle from a collision, regardless of fault.
- Comprehensive coverage may protect against non-collision-related incidents like theft, vandalism and natural disasters.
- Personal injury protection may cover medical expenses for you and your passengers.
- Uninsured/underinsured motorist coverage may provide financial protection if an at-fault driver hits you without adequate insurance.
How Does Auto Insurance Work?
Auto insurance operates by pooling risk among many policyholders. You pay a premium to the insurance company, and in return, they may cover specific types of losses. When you file a claim, the insurer assesses the damage and, if the claim is approved, pays for covered expenses minus any deductible.
Is Uninsured Motorist Coverage Necessary?
While uninsured motorist coverage is not required by law in Georgia, it can be a valuable addition to your auto insurance policy. This coverage, along with underinsured motorist coverage, can help protect you financially if you’re in an accident with a driver who either has no insurance or insufficient coverage to pay for the damage.
Auto insurance is crucial for protecting your finances, your passengers, and your vehicle. Our team at Paramount Insurance & Multiservice, LLC can help you select coverage that suits your lifestyle and budget. To get you started, we’ve addressed some of the most common questions about auto policies below.
What Does Auto Insurance Cover?
Auto insurance is largely customizable. Standard policy options may include coverage for a wide range of situations, including the following:
- Accident-related expenses if you cause injuries to others or damage their property
- Your vehicle’s repair costs after a crash, regardless of who is at fault
- Losses resulting from noncollision events, such as theft and vandalism
- Financial support after an accident with an at-fault driver, if they lack adequate insurance
- Medical expenses for you and your passengers following an accident
Is This Coverage Required in South Carolina?
Under state laws, all drivers are required to carry minimum liability coverage. This helps cover injuries or damages you may cause to others in an accident. Additional coverage options can provide financial protection for you and your own vehicle.
Can I Customize My Policy?
You can enhance your policy with optional add-ons, such as roadside assistance, which may provide towing services, flat tire assistance and battery jumps if your vehicle breaks down. Drivers also often add rental reimbursement, which can cover rental car fees while your vehicle is being repaired after a covered claim.
How Are Auto Insurance Rates Determined?
Several key factors can help insurers assess risk and determine the cost of coverage. These include your driving record, vehicle type, location, age and coverage selections.
What Should I Do After an Accident?
If you’re involved in an accident, make sure everyone is safe, contact the authorities and exchange information with the other driver. Notify your insurance provider as soon as possible so you can be guided through the claims process. An adjuster will then review the details of the accident, assess damages and determine what coverage applies under your policy.
Learn More
If you have more questions or need help in finding the right auto insurance coverage, contact Paramount Insurance & Multiservice, LLC today.
How to Get Auto Insurance
Paramount Insurance & Multiservice, LLC, is dedicated to helping you find a policy that suits your specific needs. Contact us today to start or request a free quote.