Category: Auto Insurance

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.

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. 

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.