{"id":1147,"date":"2023-04-10T20:15:00","date_gmt":"2023-04-10T20:15:00","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=1147"},"modified":"2025-09-04T19:08:57","modified_gmt":"2025-09-04T19:08:57","slug":"how-comprehensive-protects-you-in-georgia","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/how-comprehensive-protects-you-in-georgia\/","title":{"rendered":"5 Dangers Comprehensive Insurance Covers\u00a0in Georgia"},"content":{"rendered":"
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Comprehensive insurance isn\u2019t required in the state of Georgia. But it\u2019s a good idea to have it regardless.<\/span>\u00a0<\/span><\/p>\n

When it comes to protecting your car, comprehensive insurance provides a much-needed layer of security that simple collision and liability do not. Unlike collision coverage, which strictly covers damages related to driving incidents, comprehensive safeguards your vehicle in a multitude of situations. These include events that are out of your control when your car is parked.<\/span>\u00a0<\/span><\/p>\n

In this article, we\u2019ll cover five dangers that comprehensive <\/span>car insurance<\/span><\/a> covers in Georgia.<\/span><\/p>\n

1. Vandalism<\/h2>\n

Believe it or not, some of the worst damages can happen to your car when it’s parked! Vandalism and theft, for example, often occur when a car isn\u2019t properly secured or when it\u2019s parked in an unmonitored or seedy area. Vandalism can mean anything from keying or graffitiing the exterior of a car to breaking in and stealing items inside of it \u2014 or even stealing the car itself.<\/span>\u00a0<\/span><\/p>\n

Luckily, <\/span>comprehensive car insurance<\/span><\/a> covers drivers in the unfortunate circumstance that they fall prey to vandalism or theft. The last thing any car owner wants is to have their vehicle defaced with graffiti or their windows smashed in. That’s where this coverage comes in handy. It will not only repair the damages but will also cover the cost of any stolen items inside the vehicle.\u00a0<\/span>\u00a0<\/span><\/p>\n

And with the recent uptick in crime and civil unrest in Georgia\u2019s cities \u2014 there were more than <\/span>18,000 reported car thefts<\/span><\/a> in the state in 2021 alone! \u2014 it\u2019s more important than ever to have this type of coverage.<\/span><\/p>\n

2. Destruction from Natural Disasters<\/h2>\n

Natural disasters, unfortunately, are often unpredictable.<\/span>\u00a0<\/span><\/p>\n

And while Georgia may not be as disaster-prone as states like California and Florida, it still gets its fair share! There have been 38 disaster declarations in the state since the year 2000. Georgia is prone to severe thunderstorms, tropical storms, and the occasional hurricane, as well as wildfires, <\/span>winter<\/span><\/a> storms, and tornadoes.\u00a0<\/span>\u00a0<\/span><\/p>\n

For all these reasons, it\u2019s important that you have comprehensive coverage for your car in Georgia. It\u2019s one way to ensure that you are financially covered in the event of any damages from these unforeseen occurrences. The coverage not only includes protection against damage from hurricanes, tornadoes, or floods but also from accidents resulting from fires.<\/span>\u00a0<\/span><\/p>\n

It’s important to remember that life is unpredictable, and natural disasters can happen anywhere at any time. So having this type of coverage could save you from dealing with unexpected financial stress. By investing in this type of policy, you\u2019ll have peace of mind and drive with confidence, knowing that you are prepared for whatever comes your way.<\/span><\/p>\n

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3. Falling Objects<\/h2>\n

When a falling object makes a crash landing on the hood of your car, you can rest assured knowing that the damage will be covered by your policy. Comprehensive insurance covers damages from falling objects \u2014 whether that be hail, a loose tree limb, or even a UFO!<\/span>\u00a0<\/span><\/p>\n

We\u2019re joking about UFOs. But if one <\/span>did<\/span> land on your car, you\u2019d probably be covered for that, too.<\/span><\/p>\n

4. Hitting an Animal<\/h2>\n

Lots of drivers mistakenly assume that hitting an animal is covered by collision insurance. But it\u2019s not!<\/span>\u00a0<\/span><\/p>\n

In the unfortunate circumstance that you strike an animal on the road, comprehensive insurance is the only type of auto policy that will cover the damages. Damages from hitting animals are much more common than you might think. In fact, Georgia is considered a high-risk state for hitting animals: Georgians have a <\/span>1 in 89 chance<\/span><\/a> of colliding with a deer while driving on the road.<\/span>\u00a0<\/span><\/p>\n

Hitting a deer, cow or any large animal can be a scary experience, but it’s important to be calm and make sure you stay safe.<\/span>\u00a0<\/span><\/p>\n

First, pull over to the side of the road and turn on your hazard lights. Do not get out of the car if the animal is still up and moving. An angry bull that has been hit by a car can do a lot of damage. If it\u2019s clear the animal is gone or dead \u2013 and it\u2019s safe to do so \u2013 leave your car and wait in a safe place for help.\u00a0<\/span>\u00a0<\/span><\/p>\n

Contact the police to report the incident and ask if they can provide a report of the accident. Then take photos of the damage and get any witness information if there are any bystanders around. Call your insurance company to report the incident and provide all the necessary information.<\/span>\u00a0<\/span><\/p>\n

Though it can be an unsettling experience, following these steps can help ensure a smooth claims process and get you back on the road in no time.<\/span><\/p>\n

5. Civil Unrest<\/h2>\n

Civil unrest, unlike vandalism, is not a targeted attack on your car. It\u2019s when there is mass unrest or rioting in a specific area that results in the collateral destruction or damage of personal property, including cars. Unfortunately, we\u2019ve been seeing more and more civil unrest across America\u2019s cities in recent years. So it\u2019s wise to protect your car against this specific type of incident.<\/span>\u00a0<\/span><\/p>\n

Comprehensive insurance coverage will protect your car if it\u2019s damaged during a riot or some other type of civil unrest. If you frequently park your car on the street in <\/span>Atlanta or other major cities<\/span><\/a> in Georgia, it\u2019s wise to have this coverage \u2014 just in case!<\/span>\u00a0<\/span><\/p>\n

Dangers Covered by Comprehensive Insurance in the Peach State<\/span>\u00a0<\/span><\/h2>\n

As you can see, there are so many common events that fall under the umbrella of comprehensive. Whether it’s due to theft, vandalism, or destruction caused by natural disasters such as floods or hurricanes, this type of coverage will offer you peace of mind knowing that you won’t be left footing the bill when something unexpected happens.\u00a0<\/span>\u00a0<\/span><\/p>\n

With this coverage, your car is protected while it’s parked and not being driven. No matter what life throws at you, you can leave your vehicle in the parking garage or your driveway and feel relaxed.<\/span>\u00a0<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Find Affordable Comprehensive Auto Insurance in Georgia\u00a0<\/h2>\n\n
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Now that you understand coverage benefits, make sure that your current policy meets your needs and budget. Upgrade your car insurance in Georgia by including comprehensive protection with Southern Harvest. We\u2019ll ensure your vehicle is protected no matter what at the best possible rate.\u00a0<\/span>\u00a0<\/span><\/p>\n

With Southern Harvest, you can get a free online <\/span>auto insurance quote<\/span><\/a> in no time, call us at <\/span>(877) 831-4677<\/span><\/a> or visit us in person at one of our convenient <\/span>locations<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n <\/div>\n