Personal Auto Insurance

Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent.  We recommend carrying much greater limits than state minimums.  You have to ask yourself the question "If I'm involved in an at fault accident, do I want to pay for it myself or do I want to pass that unknown risk to an insurance carrier at a known risk (premium)?"
Collision Physical Damage Coverage is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.

Comprehensive Physical Damage Coverage provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.

A number of factors can affect the cost of your automobile insurance, some of which you can control and some that you can't.

The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost.

Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than single people do.

For More Information you may call Judy Goode at Southern Risk Services Insurance Group, LLC, (256) 442-3443 or email Judy.