Automobile Insurance Endorsement in Georgia

Reader’s Question:

I already know about the usual auto insurance coverage like collision coverage and comprehensive coverage. But I heard about automobile insurance endorsements, is that something I need here in Georgia?

Oliver

Atlanta, GA

Auto Collision coverage and Comprehensive coverage are the two most common and well-known insurance type in the market. There are lots of other auto insurance coverage out there, too.

Automobile insurance endorsements is just another name for those other policy extras that auto insurance companies in Georgia offer. These are towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance. You don’t really need to have them and they are not required in any state, but they can come in handy.

Now, auto towing insurance is the one that comes rushing in when you need you car towed (hence the name). That should be clear enough for everybody. Then there’s auto glass insurance is for when you need to have your car window repaired. This is usually covered by comprehensive insurance, but having this will provide you with a lower deductible. And you might want to check the details of your comprehensive coverage about windows and side mirrors just to be sure.

Daily rental insurance kicks in when you need to rent a car. Why would you do that, you ask? Well, when
your car is in the auto shop and you need to go around, this auto insurance coverage will pay for the car rental. Without this, you may have to shoulder the car rental while your car is being repaired. Emergency roadside insurance is when you need mechanics to go to your location and have your car fixed there, like a flat tire.

Now, whether you need these other auto insurance types is up to you and your lifestyle, and of course, your budget.