Category: Auto Insurance

Getting a Georgia driver’s license and exploring the freedom of open roads can be exhilarating. The guide below, courtesy of the professionals at Rob Hill Insurance Group, helps new drivers in Atlanta understand the nuances of Georgia auto insurance.

Minimum Insurance Requirements for Atlanta, GA Drivers

All motorists on Georgia roads are legally mandated to carry a minimum state-specified liability coverage. This is to safeguard other drivers in the event of incidents where you are at fault.

An at-fault accident implies that one driver has been deemed accountable for the incident based on the circumstances, statements from witnesses, and evaluations by responding officials.

• Liability Insurance: State-regulated insurance aids at-fault drivers in addressing costs that can drastically spike following a vehicular accident. A licensed insurance agent can provide further details about liability coverage amounts and commence a new liability insurance policy in Georgia.
• Comprehensive Insurance: This enhances the scope of standard liability-only insurance policies. Full coverage policies add options for drivers, passengers, and personal belongings and protect against non-collision-related incidents like auto theft, vandalism, or storm damage. 

What to Anticipate When Applying for Insurance

New drivers applying for auto insurance can expect to answer a sequence of questions related to their driving history. An agent will ask about crucial details such as prior accidents, budgeting considerations, and add-ons.

Safety-conscious Georgia drivers who want to extend their auto insurance policies often invest in features like emergency roadside assistance. This can encompass vehicle jump-starts, roadside towing, rescue, and battery services. 

Contact Rob Hill Insurance Group in Atlanta, GA, for a free auto insurance quote today!

Analyzing the Impact of Self-Driving Cars on the Auto Insurance Industry in Georgia

The arrival of self-driving cars in Atlanta, GA, has sparked an ongoing debate about their potential impact on the auto insurance industry. While autonomous vehicle technology is promising in enhancing road safety and reducing accidents, it brings new challenges and risks.

The Shift in Liability Dynamics

One consequential impact self-driving cars will have on auto insurance is the shift in liability dynamics. Usually, drivers are held responsible for accidents with human-driven vehicles, but with autonomous technology, manufacturers and software developers may be liable for mishaps.

A Decrease in Accident Frequency

The power of self-driving cars to lower accident frequency—through the elimination of human error—means insurers could witness a reduction in claims, leading to decreased payouts and premiums. Although this change benefits consumers via lower insurance costs, insurers are compelled to adjust their business models to the evolving risk landscape.

Balancing Reduced Accidents with Higher Repair Costs

While fewer accidents are likely, a new challenge arises regarding repair costs. Expensive sensors, cameras, and other tech are in need of repair or replacement after damage, potentially counteracting any savings from reduced accidents.

The Cybersecurity Risks

Autonomous cars’ reliance on complex computer systems and connectivity exposes them to cybersecurity threats, which criminals can exploit to manipulate vehicle control systems or disable normal operations. Therefore, insurers need to address these cyber threats in their coverage.

Are you in Atlanta, GA, and inquiring about auto insurance? Rob Hill Insurance Group is here to assist. Call us today.

Full coverage auto insurance is a comprehensive type of auto insurance that many car owners opt to get when paying for car insurance. If you’re buying a car or switching car insurance policies, the professionals at Rob Hill Insurance Group, servicing Atlanta, GA, can help you decide whether full coverage auto insurance is right for you. Here’s what you should know. 

What Is Full Coverage Auto Insurance?

Full coverage auto insurance is a type of auto insurance that will cover expenses relating to various events. Generally speaking, full coverage auto insurance will cover physical damage to your vehicle if you are in an accident, physical damage to another party’s vehicle if you are found at fault for an accident, and extras like roadside assistance.

The exact details of each policy will vary from one policy to another, so you should check with your insurance agent to find out everything included in a full coverage auto insurance policy you’re considering. 

Who Needs Full Coverage Auto Insurance?

If you’re buying a new car or pre-owned vehicle and getting a loan from a bank, your bank may require you to get full coverage auto insurance. Even if you’re not getting a loan and therefore not required to get this type of insurance, you may still want this type of insurance if you have an excellent, relatively new vehicle that would be costly to repair in the event of an accident. As your car gets older, you may choose to drop full coverage.

How Can I Get Full Coverage Auto Insurance In Atlanta, GA?

If you want full coverage auto insurance, contact Rob Hill Insurance Group, servicing Atlanta, GA. We’ll help you determine which policy is right for you. 

Driving in rural areas can be beautiful and scenic. However, driving in these areas can be dangerous, as there is a higher prevalence of encountering deer crossing the road. This could easily result in you hitting a deer, which could be a potentially fatal collision. Rob Hill Insurance Group in Atlanta, GA is here to assist.

Although you might never encounter a deer while driving on the road, it’s a good idea to know what you should do in case you happen to hit a deer while driving.

Get to Safety

The first thing that you need to do if you hit a deer is to pull over to a safe area. Don’t go near the deer, even if it appears dead, as it could still be alive and possibly pose a threat to you. You should call 911, and a police officer will meet you at the scene. If you or any passengers are injured, then an ambulance will be called. 

Contact Your Insurance Company

Once you’ve contacted the police, the next step is to contact your insurance agency to file a claim. The claim process should be easy, and if the accident didn’t result in major damage and your vehicle is still drivable, the process should move along quickly. Your assigned agent will walk you through the process to ensure your vehicle is repaired promptly.

We Are Here To Help

Hopefully, you will never hit a deer while driving, but if you do, these tips should help you, so you’ll know exactly what to do. If you’re in the Atlanta, GA area, and you need a new insurance company, Rob Hill Insurance Group offers coverage for your area, among others. We pride ourselves on providing high-quality insurance and making the claim process easy. 

At Rob Hill Insurance Group, providing auto insurance policies to residents in the greater Atlanta, GA area, we want to help individuals stay as safe as possible when they are out on the roadways. New teenage drivers are already more susceptible to accidents simply due to their inexperience while driving, but that risk increases when roads are wet or icy.

Here are a few tips on how to prepare a teen driver for wet or icy winter weather:

Education and Practice

Start by educating your teen about the hazards and challenges of driving in wet or icy conditions. Discuss topics such as reduced traction, longer braking distances, and the importance of maintaining a safe following distance. Encourage them to practice driving in adverse weather conditions under your supervision before they face them alone.

Vehicle Maintenance

 Teach your teen about the significance of proper vehicle maintenance. Ensure that the car’s tires are in good condition and properly inflated, as tires play a critical role in maintaining traction on wet or icy surfaces. Also, emphasize the importance of checking the windshield wipers, defrosters, headlights, and brake lights to ensure optimal visibility and functionality.

Slow and Steady

Advise your teen to adjust their driving style to the conditions. Encourage them to drive slower than usual, allowing for increased stopping distances and better control of the vehicle. Emphasize the importance of smooth and gentle inputs when steering, accelerating, and braking to avoid skids or loss of control.

Keep Your Insurance Updated

Having the right insurance is important, as you cannot prevent all accidents from happening. If you are looking for a new insurance policy in the greater Atlanta, GA area, Rob Hill Insurance Group would love to help you. Call us now to get started. 

Auto insurance is required in Georgia. However, there are some things to consider when choosing the right policy for your needs. At Rob Hill Insurance Group in Atlanta, GA, we work with our clients to provide the best policy for them. 

Choosing the Right Types of Coverage 

Liability insurance is required for all vehicles in Georgia. However, you may also be required to have full coverage insurance if you have a lien on your car. 

Even if you aren’t required to have a full coverage policy, it can be a good idea. Can you afford to replace your vehicle if it’s totaled in an accident? If the answer is no, consider a full-coverage auto policy. 

You may also need gap coverage if you have a newer vehicle. Gap coverage will cover the difference between the lien on your vehicle and the value the insurance company will pay for the vehicle if it’s totaled. 

Choosing the Right Amount of Coverage

In addition to the right types of coverage, you need the right amount of coverage. Georgia requires you to have $25,000 in bodily injury liability and $25,000 in property damage liability. 

However, insurance experts typically recommend that you have $300,000 in bodily injury liability and $100,000 in property damage liability. 

You’ll need to consider how much car insurance you can afford, as well as the assets that you want to protect. Keep in mind that wages can be garnished if there’s a settlement against you that is more than your insurance coverage limits. 

If you have comprehensive coverage, make sure that your collision policy will cover the value of your vehicle. 

We Would Love To Help!

If you need auto insurance in Atlanta, GA, contact us at Rob Hill Insurance Group. Our friendly agents will help you select the right policy for you. 

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.

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.