Roberts Insurance Group Blog |
Have you ever wondered how the rate you pay for your auto insurance is calculated? Most folks in Georgia who reach out to The Roberts Insurance Group for help or advice usually ask, "why is my car insurance rate so high with my current company?". It's a very common question. The truth is, there are over 200 factors that go into determining the rate you pay for your auto insurance policy in Georgia. Below are some of the main factors:
At the Roberts Insurance Group, we work with our clients to get the coverage they need at the best possible price. We make sure you know exactly what you're paying for and what factors are effecting your rate. We're an independent insurance agency based in Canton, GA and help clients throughout the state of Georgia. We would love the opportunity to provide a better value insurance solution for you and your family. Give us a call at 678-250-8133 or click below to start saving today!
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For many Georgians, their home is their biggest investment and asset. Most folks will go into debt for 30 years for it and want to make sure it is properly protected in the event of something unexpected. However, many homeowners in Georgia are surprised to learn that your home insurance policy protects far more than just your home. At the Roberts Insurance Group, we educate our clients on different coverages that come packaged with their home insurance. We're an independent insurance agency located in Canton, GA and help clients throughout the state and today, we're educating everyone on some of the coverages you can get with your home insurance policy: Personal Property Coverage Many Georgians aren't aware, but your personal property is covered under your homeowners policy. Depending on what type of home insurance you have (HO3 or HO5) will determine what type of coverage or cause of loss the policy will cover but all home insurance policies will have coverage for your belongings. Liability Another less than well known coverage is personal liability coverage. This coverage will pay for legal defense and settlement if there is a lawsuit brought against you or other household members in the event you are accused of being liable for bodily injury or property damage (and sometimes libel/slander) to a third party. Identity Theft In today's day in age, adding identity theft to your policy is almost a no-brainer. This coverage is very inexpensive and will pay for the costs to help recover your identity if it is ever stolen. Theft From Items In Your Car Did you know that your homeowners insurance will pay for items that are stolen from your vehicle, whether or not your vehicle is on your property? Most homeowners in Georgia don't! This is an extension of personal property coverage. Loss Of Use Loss of use coverage is another coverage that comes as a surprise to many Georgia homeowners. This coverage will help pay for any additional living expenses you my have as the result of having to vacate your home due to damage from a claim. It pays for things like renting another home, apartment, or extended stay hotel, along with additional food and transportation costs, storage costs, etc. What Other Coverages Are Available? The truth is, there's dozens and dozens of other coverages available depending on the insurance company. Something we do at The Roberts Insurance Group is we help our clients build a coverage plan that takes care of everything they want and need so that they are totally satisfied whenever the unexpected happens and they need to file a claim and use their insurance. We would love to help you and your family build-out a plan that takes care of your wants and needs! Give us a call at 678-250-8133 or click below to get started! Unfortunately, being involved in a hit and run auto accident is not uncommon here in Georgia. If you've been involved in one in the past, you know it's not a great experience. Other than making sure you have adequate uninsured motorist coverage on your policy (we recommend add-on coverage of at least$100,000/$300,000 for bodily injury and at least the value of your vehicle for property damage), here are some guidelines to follow if you're involved in a hit and run accident: Park Your Vehicle Do not pursue the at-fault driver. This is the police's job and nothing good can happen from chasing the vehicle. You should have insurance in place to pay for damage to your vehicle and any injuries, so don't risk anything else. Park your car in a safe location. Assess Injuries Once your car is parked, assess any injuries to you and any passengers. If someone is hurt, call 911 (which is step 3). Call The Police If you're involved in a hit and run, that means a crime has been committed. It is important to call 911 to help get anyone to the hospital that needs medical attention and to have the police come and investigate the incident. Having a police report filed will be crucial to having your uninsured motorist coverage pay your claim. Gather Witness Information If someone witnessed the incident, stop them and ask them to be a witness. If they agree, ask them to wait for the police to arrive. If they can't wait, then get their contact information so that the police and your insurance company can follow up with them for a statement to help with their investigation. Call Your Insurance Company Now that you and your vehicle are in a safe place, injuries have been assess, police have been called, and witnesses have been identified, it is now time to call your insurance company to get a claim files. Almost every insurance company has 24/7 claim reporting. Just call the number on the back of your insurance ID card to get the process started. Conclusion Having the right coverage paired with the right advice after an accident is key to making sure you, your passengers, and your vehicle are taken care of after a hit and run accident. At the Roberts Insurance Group, we help clients throughout the state of Georgia build their auto policy with the right coverage so that they are properly covered in the event of a hit and run or any type of accident. In addition, our experience allows us to give solid and sound advice so that your claim is covered and paid quickly. We're located in Canton, GA and can help anyone throughout the state. Give us a call at 678-250-8133 or click below to get a better value on your car insurance today! There are many reasons Georgians choose to do business with a particular insurance company or insurance agency. Maybe it's the rates they pay, the way previous claims were handled, the coverage that their company offers, the ease of doing business, maybe the technology, or maybe it's because they have a great relationship with their carrier or agent. Whatever the reasons are, the most important thing is that you, your family, and your belongings are properly covered.
If any or all of these things are important to you, then we have some good news for you: an independent insurance agent or independent insurance agency can take care of all of those needs.. and more! The Roberts Insurance Group is a full service independent insurance agency based in Canton, GA and we help clients with their home, auto, and business insurance throughout the entire state. Even if you aren't in our area, we think it's important to find a local independent agency to do business with and here's why: Discounts And Savings Independent insurance agents know that, while price isn't necessarily everything, it's very important! Independent insurance agents, like at The Roberts Insurance Group, want to earn your business, so we will do everything possible to make that happen by delivering the absolute lowest price and best value for you and your family. Multiple Companies Unlike captive insurance agencies who just represent one company or family of companies, independent insurance agents represent dozens and dozens of different companies. For instance, here at The Roberts Insurance Group, we represent over 40 different carriers directly and have access to hundreds of others through secondary markets. This means that we can shop around for our clients to help them find the best value and best fit for their individual situation. As Life Changes, You Can Change Companies Without Changing Agents For most people, shopping or changing insurance can be very time consuming and exhausting. You spend hours calling around, talking to different people, repeating the same information over and over. And, in the end, if you do decide to switch, you have to get used to dealing with a call center or a brand new agency. When working with an independent insurance agency, there is none of that. We shop around for our clients and can place them with a new carrier without our clients having to lift a finger. The best part is that our clients get to keep us and the same point of contact forever. Knowledge Insurance can be very confusing. Even working in insurance, we learn something new almost every day. It is next to impossible to fully understand your policy and how claims work without the help of a licensed agent, which is why it is important to rely on the help of a licensed professional when purchasing insurance. The last thing you would want as a policyholder is for a claim to be denied because you didn't know what you were purchasing. Always rely on a licensed professional for advice, when possible. One Stop Shopping As an independent insurance agency in Canton, GA, we can help out clients with every type of risk they may have as life change. Home, Auto, Life, Business, Disability, you name it, we can do it. This eliminates the need to have your insurance spread around between several different agencies, which creates confusion around your insurance program. How Can We Help? The Roberts Insurance Group is a full service independent insurance agency based in Canton, GA and we help clients throughout the state with just about anything they need. We are a true one stop shop that is guaranteed to get you the very best value on your insurance and provide fantastic customer service to our clients. Give us a call at 678-250-8133 or click below to see how we can help you, your family, or your business! So you're looking over the Declarations Page for your Georgia Auto Policy. You see several different numbers and technical terms. You have an idea of what they mean but you're not quite sure.... We hear this from clients and prospective clients so often. Lucky for you, we're breaking those down and giving you an easy-to-understand guide for deciphering your Georgia car insurance policy: Liability The liability limits on your auto policy represent how much your insurance company will pay out on your behalf to a third party if you're at fault for an accident. It will either have 3 numbers (called split limit coverage) or 1 number (combined single limits, or CSL). If you have split limit coverage, the first number is how much your insurance company will pay for bodily injury liability per person. The second number is the maximum that your insurance company will pay for bodily injury in any single accident. The third number is how much your insurance company will pay for property damage liability- to fix or replace someone else's property, usually their vehicle. We recommend at least carrying $100,000/$300,000/$100,000 for split limit coverage at $300,000 if you have combined single limit coverage. If you have less than this, then we need to talk! Medical Payments Medical payments coverage is designed to help you pay for medical bills you may have as the result of an accident. It is not meant to replace your health insurance, but rather to supplement it so that you aren't stuck with various co-pays, out of pocket costs, and costs to meet your deductible. Uninsured Motorist Coverage Uninsured motorist coverage will help pay for your injuries and to replace your car if you're involved in an accident with someone who does not have insurance or someone who does not have ENOUGH insurance. There are 2 options for this coverage: add-on or reduced. Add-on coverage will add-on to any amount you are able to recover from the at-fault party's policy. Reduced means that your coverage will be reduced by what you're able to recover from the at-fault driver's policy. We recommend carrying at least $100,000/$300,000 or $300,000 in add-on coverage to ensure you and your family are well protected in the event of an accident with an uninsured or underinsured motorist. Comprehensive The number you see listed here will be your deductible for a comprehensive claim. It is your share of the damage. If you have $2,500 of damage with a $500 deductible, then you're responsible for the first $500 and the insurance company will cover the remaining $2,000. Common comprehensive claims include: hitting an animal, weather damage, cracked windshield, a tree or other object falling on your car, and theft. Collision The number listed here will be your deductible for any collision claim. It works just the same as the comprehensive deductible mentioned above EXCEPT it covers different types of loss. Collision claims are for when you are responsible for the damage to your vehicle. Rental Car Reimbursement There are often 2 numbers listed here. It is usually a per day dollar amount listed first and a total dollar amount listed second. For example: $50/$1,500. This means that your auto insurance policy would pay up to $50 per day for a rental vehicle, up to a maximum of $1,500 for any one claim. Emergency Roadside This will be carrier specific and many carriers won't even list a number here. If they do, it will either be a number that corresponds to the maximum mileage for tow they will pay for (like 15) or it would be the maximum that they will pay for any one tow or breakdown (like $100). We hope this helps! If you're still not understanding your Georgia auto policy, or if you'd like a second opinion on your coverage or the price you're paying, we'd love to help! At the Roberts Insurance Group, we've helped thousands of families throughout Georgia navigate the market to get the very best value on their car insurance. Give us a call at 678-250-8133 or click the button below to get started! Are You Receiving All Of The Discounts Available For Your Workers Compensation? Chances Are, You're Probably Not. If you own a business and have workers compensation insurance in Georgia, chances are you have no idea that you can qualify for discounts on your workers comp insurance. Why? Because most agents, let alone business owners, even know they exist. This is why it is so important to work with a workers comp expert on your company's workers compensation insurance. Workers Compensation Discounts The first step to making sure you're receiving all of the discounts that you're eligible for is to work with a workers compensation specialist. Insurance agents and agencies that aren't experienced in worker's compensation are often unaware of these programs and options and, as a result, your business ends up paying way more than you need to. Some of the discounts and credits available are:
Take a look at your current policy. Do you see any of these discounts on there? Have you discussed anything like this with your agent? Chances are, the answer to both is "no" and there's an even greater chance that you're overpaying for your worker's compensation insurance. So What Can You Do? You can get with an agency that specializes in workers compensation. Give us a call at the Roberts Insurance Group at 678-250-8133 or click below and we will review your policy and let you know some options for saving on your premium and increasing your bottom line. |
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February 2022
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