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Things to Consider When Buying Auto Insurance

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. 

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.

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

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.

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.

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!

Auto Insurance Tips For Teen Drivers

The first thing that you need to do when you become a legal driver is to get auto insurance coverage. If you will be driving your parent’s car, then you will need to be added to their auto insurance policy as a covered driver. If you will be driving your own car, then you will need to obtain your own auto insurance policy to drive in Atlanta, GA.

Insurance Requirements for Teen Drivers

Georgia offers a graduated licensing system for teenage drivers that allows them to apply for three different license types, which include an instructional permit, a Class D intermediate license, and a full Class C driver license once they reach the age of 18. Teen drivers are only required to have auto insurance once they obtain a Class D intermediate license.

Teens must carry a minimum bodily injury coverage of $25,000 per person and minimum property damage coverage of at least $25,000. This coverage can either be acquired through the policy of a parent or guardian or the teen must obtain their own auto insurance policy. At Rob Hill Insurance Group, we are happy to guide you through the process of becoming an insured driver.

What Affects Teen Auto Insurance Coverage?

Because teens have such little experience on the road, they are often viewed as potential hazards. Other than their lack of experience, there are other factors that will have an impact on their auto insurance, such as:

  • Good grades
  • Maintaining a safe driving record
  • Paying a higher deductible
  • Driving a modest car

If you have questions about obtaining insurance for a teen driver in Atlanta, GA, contact Rob Hill Insurance Group. We are true professionals here to save you time and stress in obtaining the auto insurance coverage that will keep your teen driver protected in the event of an accident. Give us a call today.

Why basic auto insurance may not be the right choice

Drivers in Georgia need to protect themselves from all the driving mishaps that can happen. Traffic in the Atlanta area is horrendous. Basic auto insurance is required by the state of Georgia and while that offers some protection, is it enough to make you feel safe? That is what your local independent insurance agent can do for you, assess your risk and make suggestions. In Atlanta, GA at Rob Hill Insurance Group, we do business the old-fashioned way through word of mouth and providing personal service to our clients. 

Basic auto insurance in Georgia is liability coverage. The required amount is 25/50/25. That provides $25,000 for medical expenses and injuries for one person in an accident and a total of $50,000 for the complete accident. Another $25,000 for property damage. While this is adequate, if you have a lot of assets, it is not nearly enough to really protect you. 

Liability coverage for those with more financial worth should be considerably higher than the minimum amount required. Adding an umbrella insurance policy is also something that should be considered. 

While basic insurance takes care of others you may have an accident with, it does nothing to protect your vehicle. Collision coverage protects your vehicle in an accident where you are at fault. If your vehicle is stolen, vandalized, or damaged by something beyond your control, you will need to have comprehensive coverage, which also usually includes glass coverage.

If paying for the repairs to your vehicle would not be a problem for you, then basic insurance is the right choice, but if like most people, the expense would be difficult for you to manage, then having a fully-loaded auto insurance policy will provide you with the peace of mind you need.  

Contact Rob Hill Insurance Group in Atlanta, GA for all your auto insurance needs. 

Why You Need Auto Insurance

While auto insurance is mandatory in Georgia, is that the only reason you invest in car insurance? The answer is no.  When you buy auto insurance from Rob Hill Insurance Group, it protects you in many ways. Want to find out?  Here are the reasons you need auto insurance in Atlanta, GA and its environs.

Liability protection

You might be careful on the road, but accidents do happen. And when you are liable for accidents, you could face bodily injury and property damage costs. Without car insurance, you will have fork out these expenses from your pocket. Worse yet, if lawsuits come knocking, they can quickly wipe out your hard-earned assets.

Asset protection

Every time you think about driving without car insurance, think about your car. Can you afford its repairs or replacement from your pocket? Is it worth risking car insurance, yet it can repair your car when accidents occur?

Whether your car is old or new, it’s valuable to you. As such, it makes money to protect it with car insurance when the unthinkable happens.

Medical payments

When auto accidents strike, it’s not uncommon to suffer injuries that cost thousands of dollars to treat. Without a health insurance plan, you will have to cover these expenses from your pocket.   Thankfully, auto insurance can cover medical expenses following a car accident.

And unlike your health insurance plan, PIP or Medpay has broader coverage. For instance, it covers partial loss of income and funeral expenses- things that aren’t covered by a typical health insurance plan. Besides, auto insurance covers injuries for you and your drivers, regardless of who was at fault.

Buy auto insurance today!

If you have been having second thoughts about car insurance, you can see the benefits you are missing out on. The good news is that you can purchase car insurance today from Rob Hill Insurance Group, serving Atlanta, GA, and its environs.

Is auto insurance in Georgia needed?

When you move to the Atlanta, GA area, you may find that owning a car is a good idea. If you are going to purchase a vehicle when you are in this city, it is also important that you get insurance for your car. There are a few reasons why you will need to get an auto insurance plan for your vehicle here. 

Lenders require insurance

A key reason to get this coverage for your vehicle in this part of the state of Georgia is to cover your asset. If you are going to buy a car when you are in this area, it will be a major investment you want to protect. A great way to protect it is with a full collision and comprehensive plan that offers a lot of coverage. If you have taken out an auto loan, the lender will also require that you maintain this protection.

Insurance is Required by State

It would be best to get an auto insurance plan because the state will likely require it. If you drive a car on a public road in Georgia, you will also need to maintain a full auto insurance plan to comply with the state’s liability insurance requirements. If you do not maintain this coverage, you could violate state law.

If you live in the Atlanta, GA area and are looking to purchase a car, it would be helpful for you to call Rob Hill Insurance Group. The team with the Rob Hill Insurance Group understands how important it is for you to get an auto insurance plan. They can help you evaluate your personal needs and options and give you the support you need to build a plan that works for you and your situation. 

How Long Does an Insurance Company Have to Investigate an Auto Accident in Georgia?

There’s no doubt that being in an auto accident is scary. After the crash, you might wonder what to expect during the claims process and how long it will be before you receive a settlement offer. The truth? There’s no real timeline as to when this happens. Frankly, it’s all up to the insurance adjuster to handle your case based on the factors involved. Our team at the Rob Hill Insurance Group has put together a few pieces of information to help Atlanta, GA drivers. Here’s what you need to know.

General Georgia Laws

While there is no set timeline to follow, there are certain guidelines set forth by the state government. According to Georgia law, accidents with injuries or death must be reported to law enforcement within twenty-four hours.

Your policy usually dictates how long you have to contact your insurance company. Most insurers state that the process must happen promptly, which means as soon as you’re safe and able to make the phone call to explain what happened.

But then there’s the state statute of limitations to consider. To file a lawsuit with injuries, the auto accident case must be made within two years. For property damage, the statute of limitations to file suit is four years. You obviously want to give your insurance company plenty of time to investigate what happened, so make sure you aren’t waiting until only a few days or weeks before this time period runs out to file a claim.

Complicated Claims Take Longer

One of the most important things to remember is that complicated claims take longer to investigate than simple parking lot fender benders. If there are medical bills involved, it may take weeks or years for the injured person to receive care, which means that the investigation and settlement processes can take an extended period of time. During that time, your insurance adjuster will investigate the accident’s facts and determine who is responsible for causing it.

Of course, this is just the tip of the iceberg for auto insurance and filing a claim. Our team at Rob Hill Insurance Group in Atlanta, GA would love to discuss the process with you. Please contact us today to schedule an appointment.