Skip to content
Click to Call
Southern Risk Associates

710 E Laurel Ave
Foley, AL 36535

Get Directions

Southern Risk Associates Blog

Why You Need Full Coverage Car Insurance

If you live in the Foley, AL area, you know the roads can be unpredictable. From severe weather to construction and everything in between, it’s crucial to have full coverage car insurance.

Here’s why:

Liability Protection

If you cause an accident, the full car insurance coverage will protect you from paying out of pocket for the damages. Whether it’s property damage or bodily injury, your insurance will cover the costs up to your policy limit. Also, the full car insurance coverage will help pay for your legal fees if you’re sued.

Uninsured/Underinsured Motorist Protection

Unfortunately, not everyone has car insurance. If you’re in an accident with an uninsured driver, you could be stuck footing the bill for the damages. Full coverage car insurance will protect you in this situation, as well as if you’re in an accident with a driver who doesn’t have enough insurance to cover the damage.

A Southern Risk Associates representative can help you determine the right amount of coverage for your needs.

Collision Coverage

If you’re in an accident, collision coverage will help pay to repair your car regardless of who is at fault. This protection is significant if you have a loan or lease on your vehicle.

Comprehensive Coverage

Comprehensive coverage helps pay to repair or replace your car if it’s damaged in an incident that’s not a collision. This can include damage from severe weather, theft, vandalism, or hitting an animal.

Contact Us Today

Full coverage car insurance is a must if you live in the Foley, AL area. Contact Southern Risk Associates today for a free quote. We’ll make sure you’re properly protected on the road.

Servicing States

  • Alabama
  • Mississippi
  • Georgia
  • Florida

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Have access to your auto ID cards anytime!


Partner Carriers

  • Alcon insurance services
  • American Modern
  • Amwins
  • Chubb
  • Guard Insurance
  • National General
  • Openly
  • Orchid
  • Orion 180
  • Progressive
  • RPS
  • SafeCo
  • Sagesure
  • State Auto
  • Swyfft
  • Traveler's
  • Universal Property