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Featured Insurance Blog

What To Do After a Car Accident

Millions of car accidents occur each year. Sadly, people often end up injured or even killed. Taking the right steps after an accident is crucial and could save lives. Auto insurance could prove essential, but there are also some steps you need to take right after an accident. Rob Hill Insurance Group, serving the greater Atlanta, GA area, is here to assist with all related concerns. 

Take These Steps After an Accident

First, it’s wise to call 911 immediately. If someone in your vehicle or another vehicle is injured, seconds count. The quicker emergency medical providers are contacted, the quicker they’ll arrive.

After alerting authorities, check for any injuries. Start by examining your own body, looking for bleeding or broken bones. After checking yourself over, check on passengers. Besides looking for obvious signs of an injury (e.g. blood), ask if they are in pain. If you have a first aid kit in your vehicle, now is the time to bust it out.

Typically, it’s best to wait for authorities to arrive before moving anyone who’s been injured. If someone is hurt, moving them could exacerbate injuries. If you’re in good shape and are not noticing any injuries, you may want to check on the other vehicle and also let them know that help is on the way.

If you have reflectors or road flares, it’s best to deploy them, especially at night. This way, other drivers will see the accident scene and will hopefully avoid it. Emergency responders may also have an easier time finding you.

When to Contact Your Insurance Company

After contacting authorities and checking for injuries and hazards, it’s smart to contact your auto insurance provider. This provider can offer tips and let you know what type of paperwork you may need to obtain from the police.

The right steps after an accident could reduce the risk of getting sued or being blamed for the accident.

Give Us A Call

Contact the Rob Hill Insurance Group, serving Atlanta, GA and beyond, to discuss insurance coverage options for your vehicles.

Three things you might not be aware of when it comes to life insurance

Being informed about life insurance is important. The more informed you are, the better your decisions for yourself and your family will be when it comes to choosing the right life insurance policy. Rob Hill Insurance Group, serving the greater Atlanta, GA is happy to help build your awareness around this vital coverage. 

The following are three things that you might not yet be aware of when it comes to life insurance:

You can borrow against the value of some types of life insurance policy

Cash loans are one possible feature of certain whole or universal life insurance policies. If your life insurance policy has a cash value component, you may be able to withdraw funds from your policy. This really comes in handy when you have some extra expenses that come up. 

A policyholder may be expected to repay money that is borrowed from his or her policy. Alternatively, the borrowed funds can simply be taken out of the death benefit of the policy if the policyholder passes away. 

You may be able to take out life insurance without a medical exam

Many life insurance providers require customers to take a  medical exam before they can take out a policy. However, medical exams are not always necessary. 

If you are worried that you will be refused life insurance coverage because of a medical condition, you should look into the possibility of taking out a no-medical exam life insurance policy. 

The beneficiaries of a life insurance policy don’t have to pay taxes on a death benefit

Beneficiaries on a life insurance policy receive the death benefit amount if the policyholder passes away. Fortunately, beneficiaries don’t need to pay any taxes on the death benefit. Beneficiaries can use the full death benefit amount for any expenses that they choose. 

Contact Us Today

Get in touch with us at Rob Hill Insurance Group if you have questions about life insurance. We can offer life insurance policy quotes to consumers in Atlanta, GA. Call or email us to learn more. 

How to Keep Your Concrete Surfaces Free of Debris to Prevent Slip and Fall Accidents

One of the things that home insurance does is help to cover you in case someone is injured on your property and files a personal injury case against you. However, there are steps you can take to minimize the chances of it happening. Here at Rob Hill Insurance Group, providing home insurance in the greater Atlanta, GA area, we want to provide you with tips that can help you keep your concrete surfaces free of debris to help prevent slip and fall accidents.

Keep reading to learn more about these tips:

Get Your Trees Trimmed Regularly

One of the best ways to reduce the amount of debris on your concrete surfaces is to regularly have your trees trimmed. This helps to minimize leaves, sticks, and other debris that can become a tripping hazard. 

Take the Time to Sweep Away Debris

Another thing that you should do is to take the time to regularly sweep debris from your concrete surfaces. Use a push broom to remove leaves, rocks, and other hazards that may make your walkways and surfaces unsafe. 

Inspect Your Concrete Surfaces

Finally, take the time to inspect your concrete surfaces at least once a month. If you see algae growing, remove the algae to prevent someone from slipping. If you notice your concrete is raised, hire a concrete professional to level out your concrete to prevent someone from tripping. 

Contact Us Today

Your concrete surfaces, such as walkways, driveways, and patios, can be a trip-and-fall hazard, but there are things you can do to help keep your concrete surfaces safe. If the unexpected does happen, you want to have the right home insurance policy to cover you. Here at Rob Hill Insurance Group, serving the greater Atlanta, GA area, our team can help you with all of your home insurance needs. Reach out to us to get started. 

Common Auto Insurance Exclusions

Your car insurance is a powerful investment, but it doesn’t cover all possible risks. And just as it is good to know what your car insurance covers, it’s equally important to understand what it doesn’t cover. This makes your claim filing process easier and helps you understand add-ons you can consider for your car insurance.

Want to find out what’s not covered by your car insurance? Rob Hill Insurance Group in Atlanta, GA can help you navigate this important coverage. 

Here are some common car insurance exclusions:

Excluded driver

Your insurance company could add this clause to your policy if you live with a high-risk driver. Accidents caused by excluded drivers are unlikely to be covered.

Intentional acts

Another reason why your insurer will wave away your claim is if you intentionally cause harm to someone or damage someone’s property, your car insurance won’t cover the loss. For such losses, you will have to cover them from your pocket.

Mechanical breakdown

If your vehicle breaks down because of maintenance issues, don’t expect your insurer to pay for repairs. So if your transmission or engine misbehaves, be ready to cover the repairs from your pocket.

Special events

If you use your car in race or stunt events, your standard car insurance will likely void claims resulting from these events. However, you can purchase special coverage to cover you at such events.

Catastrophe exclusions

Extreme natural disasters like earthquakes and floods are typically excluded from your car insurance, although it differs between policies and insurance companies. Always read the fine print of your policy or consult with your insurance agent to know what is covered or excluded from your policy.

Get Auto Insurance Today

Have more questions about your car insurance? We understand car insurance can be confusing. Please get in touch with Rob Hill Insurance Group in Atlanta, GA to have all your car insurance queries answered.

Should I Get Life Insurance Through My Employer?

Rob Hill Insurance Group in Atlanta, GA wants to ensure that you have all the information you need to make the best decision for you and your family. Employer-sponsored life insurance can be a great option for some, but it’s not right for everyone.

Here are some things to consider when making your decision:

Ease of Use

One of the benefits of getting life insurance through your employer is that it’s often a very easy process. You can typically sign up for coverage during your annual open enrollment period and don’t have to go through the hassle of a medical exam or answering health questions. Coverage is usually effective the first day of the month following your enrollment.

Coverage Amounts

Another thing to consider is the amount of coverage you need. Employer-sponsored life insurance typically provides coverage in the $50,000 to $250,000 range. If you have significant debt or other financial obligations, this may not be enough coverage. You may need to supplement your employer-sponsored life insurance with an individual policy to ensure your loved ones are taken care of financially if something happens to you.         

Portability

If you leave your job, you will usually lose your employer-sponsored life insurance coverage unless you convert it to an individual policy within a certain time frame (typically 30 to 90 days). With an individual policy, you own the policy and can keep it even if you change jobs or retire. However, converting a group life insurance policy to an individual policy can be expensive, so it’s important to compare costs before deciding what to do.

Contact Us Today                 

There are a lot of things to consider when deciding whether or not to get life insurance through your employer. The ease of use and guaranteed coverage amounts can be appealing, but it’s important to ensure that the coverage amount is enough and that you understand the conversion process if you decide to leave your job. Be sure to compare costs before making a decision to find the best option for you and your family. Contact Rob Hill Insurance Group in Atlanta, GA for your insurance needs.

Protecting your home while you are away

Sometimes you just need to be away from home. Whether for work or for pleasure, it doesn’t matter. While you are away, your home will be alone and that is never a good thing. At Rob Hill Insurance Group in Atlanta, GA we count on word of mouth to get new customers and by giving our customers exceptional personalized service, we know that they will tell their friends and family about us. 

Protecting your home while you are away

Get a house sitter

The best thing to do when you are going to be away is to have a house sitter. That isn’t always possible, but if you can find someone, it’s a great way to keep your home safe. 

Leave a car in your driveway

When a car is in your driveway, it gives the impression that someone is at home. Sometimes that alone will be enough to discourage anyone who might be considering breaking into your home. 

Have lights on timers

Buy several timers and set lamps to go on and off in different rooms of your home. This makes it seem as if someone is at the home. 

Stop your mail

You can go right onto the United States Post Office website and request that your mail be held. Always do it at least one day in advance to make sure they actually stop it. 

Don’t announce your plans on social media

Don’t talk about being away on social media. You never know who might see the information and what they might do with it. 

Set your alarm

The last thing to do before you leave is to arm your alarm. It might seem obvious but in the chaos of departure, it can be forgotten. 

Give Us A Call

Contact Rob Hill Insurance Group in Atlanta, GA when you need a home policy review or have questions. We will provide a free no-obligation quote. 

What Is Uninsured/Underinsured Motorist Coverage

What do you do if you are injured in an accident, and the other driver is at fault and lacks insurance or sufficient insurance to cover your damages? This motorist coverage can help protect you in this situation.

This type of coverage can provide compensation for injuries and property damage if the other driver is not insured or does not have sufficient insurance. Here we discuss uninsured motorist coverage in more detail.

What Is Uninsured/Underinsured Motorist Coverage?

It’s insurance that helps protect you if you’re injured in an accident while the other driver does not have insurance. It also protects you if they lack sufficient insurance to cover your damages. This coverage can provide compensation for injuries and property damage.

In some states, this coverage is required by law. Even if it is not required in your state, it is a good idea to purchase this coverage. According to the Insurance Information Institute, about 13% of drivers on the road in the United States are uninsured.

This means that if you’re involved in an accident with another driver, there is a good chance they don’t have insurance. This coverage can help protect you financially. It can also protect you if a hit-and-run driver hits you.

Types of Underinsured Motorist Coverage

There are two types of this insurance coverage. Bodily injury coverage can help pay for your medical expenses and lost wages. Property damage coverage can help pay to repair or replace your vehicle if it’s damaged.

The amount of coverage you need will depend on your individual situation. You should talk to Rob Hill Insurance Group in Atlanta, GA to determine the best amount of coverage for you.

Give Us A Call

Uninsured motorist coverage is insurance that can help protect you if you’re injured in an accident, and the other driver lacks insurance to cover your damages.

You may have questions about underinsured motorist coverage or other types of insurance. If you do, please contact Rob Hill Insurance Group in Atlanta, GA. We are here to help you find the coverage you need at a price you can afford.

How to Choose the Right Life Insurance

Life insurance is one of the most important decisions you will make. This is because the death of the primary breadwinner can have a devastating financial impact on a family. Luckily, life insurance can help to alleviate the burden. But with so many options available, how do you choose the right life insurance for you? Rob Hill Insurance Group in Atlanta, GA offers this guide in navigating this important coverage.

Here are a few things to consider when choosing a life insurance policy. 

Life Insurance: What You Need to Consider

What Type of Policy Do You Need? 

When it comes to life insurance, there are two main types of policies: term life insurance and whole life insurance. Term gives coverage for a specific period. This can be anything from 10 all the way to 30 years. It is the most affordable type of life insurance. A whole life policy is a long-term coverage that covers you for the remainder of your life. It is more expensive than term life insurance, but it also has cash value that you can borrow against.

How Much Coverage Do You Need? 

Before you start shopping for life insurance, you need to determine how much coverage you need. The amount of coverage you need will depend on your personal circumstances. Consider things like your age, health, debts, and dependents when determining how much coverage you need.

What Can You Afford? 

Once you know how much coverage you need, you can start shopping around for policies. But before you choose a policy, make sure you can afford the premiums. Some policies have higher premiums than others. Choose a policy that you can comfortably afford to pay.

What Are the Policy’s Terms? 

When you are shopping for life insurance, be sure to read the policy’s terms and conditions. Pay attention to things like the death benefit, premium payments, and length of coverage. These are all important factors to consider when choosing a life insurance policy.

Contact Us Today

Now that you know a few things to consider when choosing life insurance, it’s time to start shopping around for the right policy. Rob Hill Insurance Group in Atlanta, GA can help you find the perfect policy for your needs. We offer a wide range of life insurance options, and our experienced team can help you find the right one for you. Contact us today to get started.

Home Security Tips Every Homeowner Should Implement

About every 15 seconds, there is a home being burglarized in the United States. Half a million of them happen during the day due to minor mistakes like leaving the door open or not reinforcing the locks. Luckily, there are multiple ways you can keep your Atlanta, GA home safe and get the peace of mind you deserve.

Rob Hill Insurance Group also recommends purchasing home insurance to help replace the stolen items in case of a burglary.

Here are a few tips every homeowner should implement:

Secure the Doors and Windows

A survey by Nationwide Insurance showed that most burglars enter houses through open doors and windows. Over 25% of the respondents admitted to leaving doors unlocked when they were not at home in the survey. It’s important to inspect all your doors and windows to ensure they are strong and the hinges are protected.

Invest in Smart Security Systems

Today’s market offers many smart security systems that can provide your home with solid protection in Atlanta GA. You can go for DIY systems or get professional monitoring and home automation. You can install smart cameras, bulbs, and alarm systems that notify you when someone tries to break into your home from wherever you are.

Light Up Your Home

Some burglars prefer to strike and take advantage of poorly lit homes. If you have a big backyard, you may want to invest heavily in lighting to keep your outdoor space well-lit at night.  Lighting up your home not only keeps intruders away but also prevents accidents when walking around.

Get Rid of Bushes

Overgrown trees and shrubs make great hiding places for intruders. Trim down larger trees that could be used for cover, particularly behind your home. Go for smaller bushes and flowers. If you have trees or flowers touching your windows, remove them or reinforce the windows with extra security.

Don’t forget to get enough home insurance to protect your family and property. Feel free to contact Rob Hill insurance Group in Atlanta, GA to learn more about the policy, get quotes, and be informed about other policies.

Why more Atlanta area residents are choosing comprehensive auto policies

AtlantaGA area drivers can rely on the Rob Hill Insurance Group for all of their auto insurance needs. If you would like to learn more about how a comprehensive auto policy can better suit your needs, reach out to us today. 

Benefits of a comprehensive auto policy for Atlanta area drivers

The main benefit of a comprehensive auto policy for Atlanta area drivers is increased protection. You will be able to opt for a higher level of coverage with a more comprehensive policy, and that is just the beginning. In addition to having a higher amount of protection for accidents, medical expenses, and liability, you will be able to choose a number of different features that meet your needs.

Add-ons such as a roadside assistance package are available when you upgrade from a basic primary policy. With an enhanced auto policy, you can also select a number of different features that may be of use to you. These features include services like the aforementioned roadside assistance, and that’s just the beginning. 

If benefits such as a declining premium or coverage for rental car expenses appeal to you, it may be time for an upgrade. If your car is damaged or totaled due to a covered incident, you can be eligible for reimbursement for your rental car expenses. This can be a lifesaver if you rely on your car to get you through your everyday routine.

Find out more today!

Rob Hill Insurance Group is here to help you with your insurance needs. If you are a resident in the greater Atlanta, GA metro area, we would love the opportunity to help you with your auto insurance needs. Call or stop by our office today!