Did you know that there’s a 1 in 366 chance of you getting into a car accident during a 1000-mile drive? Now imagine the risk if you drive almost every day. One study found that an estimated 77% of drivers have been in at least one accident.
Even with the most careful driving, accidents can sometimes happen. And you may find yourself on either side of the spectrum, as the victim or the one at fault. Say you cause an accident that leads to damage or injuries to third parties. How will you go about covering the expenses?
This guide seeks to answer this question by giving you detailed insight into everything you need to know about auto insurance liability in Jersey, Georgia.
Liability insurance is a type of insurance coverage that protects a person or business from claims or lawsuits resulting from damage to property or injuries to a person. So, auto liability insurance is a type of liability insurance that protects car owners.
Liability car insurance is mandatory in some states in the United States, including Georgia. So, if you own and drive a car within the state, you must have liability auto insurance.
Apart from car insurance liability, including bodily injury and property damage liability, non-profit organizations like churches could optionally take out other car insurance coverage in Georgia. This other insurance coverage, while optional, is important and may save the church a lot of money.
That said, here are other types of auto insurance coverage you can find in Jersey, Georgia:
At this point, you already know that auto liability coverage includes the damage you cause to another person’s car or property or any injury you inflict on them when driving. But what does it not cover?
For starters, it does not cover any damage that occurs on your own car. That would require an additional cover, more specifically collision cover. Secondly, it does not extend to any injuries you incur in the accident. So, if you’re hurt, you will need to pay the medical bills out of pocket or use your medical insurance.
Here are 5 things you can do to ensure you get the best rates on auto liability insurance cover for your church:
It’s important to compare the costs of different auto insurance providers, more so since most companies will spend tons of money on commercials to try and convince you they’re the most affordable in the market.
Doing the cost comparison can help you learn if an insurance company that claims to be reasonably priced is within your budget.
Car liability coverage providers for non-profit organizations like churches offer discounts from time to time. Be on the lookout for such offers to ensure that you get an insurance company with the best rates.
Establishing an excellent credit history can reduce your insurance costs significantly. Most insurance companies in Jersey, GA, will use credit details to set prices for their auto insurance policies for churches.
You can protect your credit standing by paying your bills timely, not using more credit than necessary, and keeping your credit balances as low as you can. Be sure to review your credit record often and have any discrepancies amended fast always to correct your record.
Some companies give discounts to motorists who drive a lower-than-average number of miles yearly. So, if you can, take advantage of such offers when buying liability coverage.
You should think about dropping collision and/or comprehensive coverages on older church cars. If a vehicle is less than ten times the premium, buying the coverage might not be a sensible money move. Learn about the worth of your church cars from auto dealers or banks.
When purchasing liability car insurance, you may not be aware that mandatory coverages aren’t meant to cover damage to your own vehicle. Third-party liability pays for damages you’ve caused to other people’s property or medical expenses for bodily injury after an accident.
None of these liabilities, only car insurance, will pay for the damage to your vehicle (i.e., if you’re at fault for an accident). When that occurs and your car is totaled or requires repairs, you’ll have to pay for it out of pocket.
However, optional collision coverage will settle the bills for any damages to your car caused by rollover or impact with another vehicle, even if you’re at fault. So, despite being optional, it’s a huge risk not to have it, more since you’ve undoubtedly put significant money into your car or truck.
Unlike liability coverage, both collision and comprehensive coverage have deductibles, which is essentially the amount of a claim you agree to pay out of your pocket. Even if you can choose the same amount in both cases, they are independent of each other.
For example, you can have a $200 comprehensive deductible and a $300 collision deductible. How much you pay for your deductible depends on your car insurance coverage and how much your car insurance premium is.
Ready to apply for auto insurance for your non-profit organization’s car? Give yourself peace of mind on the road and avoid unnecessary expenses by starting your application today. Church Insurance Man specializes in car liability coverage that’s good value for your money.
Get in touch with us at (470) 375-8274 for a free quote.
The main idea with higher deductibles is that it incentivizes you to take the proper actions to minimize the potential harm that may come to your property. As such, higher deductibles help you think about ways to sustainably prevent negative situations from forming and occurring within your property. That is why organizational leaders should take great care to implement proper security protocols. Your place of worship or care must comprehensively plan for crime and other property damage instances and minimize them from taking place.
These principles and tips will help you to minimize issues taking place on your property.
The best action is preventative and not reactive. Do your best to implement standards and protocols that minimize the potential situation that risks present to your church.
For instance, if you are cleaning the church, make sure to have signs that state you are cleaning. As such, you are indicating that cleaning is happening, and floors may be wet.
Further, you want to make sure that you have signs present around the facility that show people to be careful in a specific situation. Classic safety measures such as smoke detectors and safety systems, in general, will be crucial and necessary as well.
In addition, more nonprofit organizations are optimizing their buildings to make it accessible for disabled peoples. More organizations also endeavor to check their places frequently and make sure everything is up to par while also keeping emergency supplies like first aid kits on their premises.
There is quite a bit you can do to take a preventive strategy within your organization and minimize your potential liabilities. If you require further assistance with your insurance policies and would like to have more information about the steps you can take to improve your overall situation, reach out to us. We will be pleased to find the best solution for your needs and provide the insurance services that your church requires.
Make sure that your church is protected. Learn more about our insurance services for churches in Georgia, including umbrella liability, business automotive, and church packages to protect your organization. Contact us today to chat about how we can help your church obtain great coverage to safeguard your ministry.