Most Georgia drivers think they have enough auto insurance until something goes wrong. The Scheiderich Agency helps you understand what your policy actually covers — and what it does not — so you are never left with a gap at the worst possible moment.
Georgia requires drivers to carry a minimum of $25,000 in bodily injury liability per person. That sounds like a meaningful number until you consider what a serious accident actually costs. A single emergency room visit, surgery, and follow-up care can exceed that limit before a person even leaves the hospital.
Here is what most drivers do not fully understand: liability insurance covers the other party's losses when you are at fault — up to your policy limit. Everything beyond that limit becomes your personal responsibility. The injured party's attorney does not stop at your insurance limit. They can pursue a lawsuit against you directly. They can garnish your wages. They can place a lien on your home. They can go after your savings.
This is not a rare edge case. It is a real financial exposure that thousands of Georgia drivers carry unknowingly every time they get behind the wheel — simply because no one took the time to explain what their coverage actually does.
Our team explains this clearly, every time. We do not just sell you a policy with minimum limits and move on. We make sure you understand what those limits mean in practice so you can make an informed decision about the coverage that is right for your situation.
Talk to Our Team About Your CoverageAfter an accident — even a minor one — most people feel overwhelmed. There are calls to make, damage to document, questions from the other party, and a claims process to navigate. If your insurance agent is an 800 number, you are on your own for most of that.
At The Scheiderich Agency, you reach a real person who already knows your policy. You can call us directly, walk into our office in Downtown Buford, and get clear guidance on what to do next — what to say, what to document, how to start your claim, and what to expect throughout the process.
We are also here before something happens. We review your coverage when you buy a new vehicle, add a teenage driver, or move to a different part of Georgia — because your auto insurance should keep pace with your life, not sit unchanged for years.
Talk to Our TeamAuto insurance is made up of several separate coverage types. Each one protects against different scenarios. Understanding what each does — and what it does not do — is the only way to make an informed decision about your policy.
Pays for the other person's medical costs, lost wages, and pain and suffering when you cause an accident. Does not cover you or your passengers. Your limit is the maximum your insurance will pay — anything beyond that is your personal liability.
Pays to repair or replace another person's vehicle or property when you are at fault. Georgia's state minimum is $25,000 — which may not cover a newer vehicle. If the damage exceeds your limit, you pay the remainder personally.
Protects you when the at-fault driver has no insurance or not enough. Covers your medical bills, lost wages, and damages. One of the most important coverages on the road — and one of the most commonly skipped. More on this below.
Pays to repair or replace your vehicle when it is damaged in a collision — with another vehicle, a guardrail, a pole, or any other object. Applies regardless of who is at fault. Required by most lenders if you have a car loan or lease.
Covers damage from events other than collisions — theft, vandalism, weather, falling objects, hitting a deer, and most commonly, a cracked or shattered windshield. Because these claims tend to be smaller and more frequent, a lower deductible often makes financial sense here.
Covers medical expenses for you and your passengers after an accident — regardless of fault. Works alongside health insurance and can help cover deductibles, copays, and expenses your health plan does not. A relatively affordable add-on that provides meaningful protection.
Georgia has a significant number of uninsured drivers on its roads. If one of them hits you and causes serious injuries, their lack of insurance becomes your problem — unless you have uninsured motorist coverage.
Even drivers who are insured often carry only the state minimum. If they cause an accident that results in $80,000 in medical bills and lost wages for you, their $25,000 policy covers less than a third of it. Underinsured motorist coverage pays the gap between what their policy covers and what your actual losses are.
This is coverage that protects you from other people's decisions — decisions you have no control over. It is one of the most important protections on the road and one of the most commonly declined because people do not fully understand what it does.
Our team explains both coverages clearly and helps you decide on limits that make sense for your household.
Applies when the driver who hits you carries no insurance at all. Covers your medical bills, lost wages, and related damages — the costs you would otherwise have to pursue through a lawsuit against someone who may have nothing to collect from.
Applies when the at-fault driver has insurance but not enough to cover your actual losses. Your UIM coverage fills the gap — up to your own policy limits. Without it, you absorb whatever their policy does not cover.
Your UM/UIM limits should generally match your liability limits — meaning if you are covered for serious injuries you cause to others, you should be equally covered for serious injuries others cause to you. Our team helps you think through this specifically for your household.
Most drivers understand collision coverage. Comprehensive is where the confusion usually lives — and where the deductible strategy often gets it wrong.
Collision coverage pays to repair or replace your vehicle when it is damaged by contact with another vehicle or object — regardless of who caused the accident.
Comprehensive covers damage from events outside a collision — things that happen to your vehicle, not things your vehicle runs into. Claims tend to be smaller and more frequent.
These are the gaps our team most commonly finds when reviewing existing auto policies — situations where drivers thought they were covered and were not.
Georgia's $25,000/$50,000/$25,000 minimums sound adequate until you understand what serious accidents actually cost. Carrying only minimum limits leaves you personally exposed to lawsuits, wage garnishment, and asset liens when a claim exceeds your coverage.
Many drivers decline UM/UIM coverage to save money on their premium — not realizing it is one of the most important protections they can carry. Georgia roads have a significant number of uninsured drivers. If one hits you, UM coverage is the only thing that protects your financial recovery.
Many drivers carry the same deductible on both collision and comprehensive without realizing the two cover very different types of claims. A high comprehensive deductible rarely makes sense given that most comprehensive claims — particularly windshields — fall well below a $500 or $1,000 threshold.
Drivers who buy or lease a new vehicle sometimes forget to update their coverage limits accordingly. A policy written for a five-year-old car may not adequately cover the value of a new one — especially if gap insurance is not included and the vehicle is financed.
Adding a teenage driver to your household without updating your policy can create serious coverage gaps. Many parents assume their teen is automatically covered — but unlisted regular drivers can complicate or void claims. This conversation should happen before your teenager starts driving, not after.
Standard auto policies typically exclude vehicles used for rideshare services like Uber or Lyft, and rental coverage is often limited or not included by default. If you drive for a rideshare platform or rent vehicles regularly, these gaps are worth a direct conversation with your agent.
These are the questions Georgia drivers most commonly ask our team. Answered without jargon.
Most Georgia drivers benefit from reviewing these alongside their auto insurance.
No hold music. No call centers. Come into our office in Downtown Buford, call us directly, or send a message and we will follow up the same day. We are here to make sure you actually understand what you have — before you need it.