What Auto Insurance Can Do for You When Someone Hits Your Car and Leaves in Ball Ground, GA

There are many components to auto insurance coverage. It can help you if you are in an accident or if there is damage done to your car. If you are the victim of a hit-and-run, for example, in which someone hit your car and drove away without leaving a note, auto insurance may be able to help you.

A hit-and-run accident is basically any accident in which a driver intentionally leaves without giving the victim of the accident the appropriate contact information. This can either mean the car can hit and injure you and drive off or that they hit your parked car when it is unattended and do not leave any contact information. If they are not leaving any contact information, this means that you have no way of collecting damages for the accident. This can be a very stressful situation, but there are certain things that you can do to minimize the stress. Get as much information as possible, utilizing any potential witnesses or any parking lot cameras that might have been able to spot the car that hit you. If you have information such as the make, model, and license plate number of the car, it will be much easier to track down the driver and get the damages. Typically, uninsured motorist coverage from the auto insurance company will cover these types of accidents, but Georgia is a state where this is not the case. In Georgia, other components of auto insurance, such as personal injury protection, collision coverage, and medical payments coverage will cover the damage to your car after a hit-and-run.

If you have questions about auto insurance as it applies to people in Ball Ground, GA, you should contact The Sanford Group for the appropriate answers. If you have been the victim of a hit-and-run accident and your car has been damaged by someone who did not take responsibility, the Sanford group can tell you exactly what your rights are and what your options are in Ball Ground, GA.

3 Discounts You Should Look for In Auto Insurance

Buying auto insurance is one of the smartest choices you can make. Not only is it the law in most states to carry some type of insurance on your vehicle, but it also gives you peace of mind in knowing you will be covered in the event of an accident. Does this mean you will walk away with a new car? Well, that depends on the exact policy that you invest in. By speaking with a qualified and experienced agent, though, you can discuss your policy as well as your options and make sure you are covered according to your needs and preferences. Here is a quick look at three discounts you should look for in auto insurance that many insurance providers offer. 

1) Student discounts

Are you a student? Whether it be a student in high school or college, earning good grades can usually earn you some type of discount on your auto insurance. When buying a policy, make sure you let your agent know that you are in school and ask about any discount you might qualify for. 

2) Accident free discount

The fewer accidents you are involved in, the lower your insurance will be. Many insurance service providers, though, will provide an even steeper discount as long as you remain completely free of discounts. When searching for a policy, make sure to ask about an accident-free discounts. 

3) Automatic payment discount

Another type of discount that you will definitely want to ask about is an auto payment discount. This type of discount is typically offered to policyholders who have their insurance premiums automatically deducted out of their banking accounts. 

To learn more about auto insurance discounts, contact The Sanford Group serving the Ball Ground, GA area.