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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.

When you should I get auto insurance?

Anyone that lives in the Atlanta, GA area would benefit greatly from having a car. If you are a vehicle owner here, you will need to make a lot of important decisions. One decision that you will have to make will come when you want to choose an insurance policy. There are a variety of situations when getting auto insurance will be a good idea for you. 

When Driving on a Public Road

When you need to get auto insurance, you will come when you want to drive a car on a public road. Anyone who would like to drive their car in Georgia will have to comply with auto insurance’s state rules. If you choose an auto insurance policy here, you need to make sure that it includes liability insurance. When you have this coverage, it can ensure that you can pay for any damages that you cause in an accident.

When Taking Out a Loan

Another situation when you need to make sure that you have proper insurance is when you are going to take out a loan. If you take out a car loan, some insurance rules need to be met. A quality auto insurance policy will need you to have both collision and comprehensive insurance coverage. This could ensure that your vehicle is covered if it is stolen or damaged.

If you are going to get an auto insurance policy here, you should call the Rob Hill Insurance Group. When you do call the Rob Hill Insurance Group in the Atlanta, GA area, it can ensure you receive the guidance and support you need. This will ensure that you are in compliance and have proper protection. 

Do Georgia Drivers Have To Carry Uninsured Motorist Auto Insurance?

In some states, you are required not only to carry basic liability insurance but uninsured motorist insurance, as well. This is not so in Georgia, however. And thankfully, we rank on the lower side of average as far as uninsured motorist rates go, at just 12%.

However, that number is about to spike.

Many insurance companies are offering deferred payment options to help people get through the financial crunch. This is an excellent idea in theory, but when those deferred payments start to stack up, many drivers will find that they can’t afford to pay several months of premiums all at once, and drop their insurance coverage but keep driving.

This means that while the risk of being in an accident with an uninsured motorist is relatively slim right now, it won’t be for much longer.

Insurance is all about covering yourself against likely hazards. While Georgia has enjoyed a relatively low uninsured motorist rate so far, that won’t be the case for too much longer. This is happening all across the country, of course. Where the national average has generally been around 15% uninsured, the number could jump by half or even double. There’s no telling precisely how high that number will spike, but we’re not going to stay at 12% for very much longer.

If you’re ready to get the protection that you need in Atlanta, GA, get in touch with us at Rob Hill Insurance Group. Whether you want to call, email, or stop by Rob Hill insurance Group, we can set you up with a policy that protects you out on the highways and streets of Atlanta, GA.