Four things you might not be aware of regarding auto insurance

Motorists need to be adequately informed about how auto insurance works and what their auto insurance options are in Commerce, GA. At North Georgia Insurance Center, we’re here to provide you with the information you need about auto insurance.

The following are four things you might not be aware of regarding auto insurance. 

Auto insurance is required by law in almost every state. 

You don’t have the option of whether you want to carry auto insurance or not. Auto insurance is a requirement in Georgia and most states.

In Georgia, motorists are required to carry at least $25,000 in coverage for bodily injury expenses per person and $50,000 in bodily injury coverage per accident. 

Collision coverage is not automatically included in a basic auto insurance policy. 

A standard, basic auto insurance policy can be expected to offer liability coverage. However, you’ll probably need to request that collision and comprehensive coverage be added to your policy if you want to enjoy these types of coverage. 

An auto insurance policy only covers the policyholder up to a certain maximum amount.

Motorists need to realize that auto insurance won’t cover them for any expense they can face. Auto insurance policies only cover policyholders up to a certain amount.

If you face expenses higher in cost than your maximum coverage limits, you may have to pay for the excess out of pocket. 

You should always keep proof of auto insurance with you in your vehicle.

Law enforcement officers typically request insurance proof when they pull over motorists. That’s why motorists always need to carry proof of insurance in their vehicle with them. 

Are you looking for the best auto insurance options available in Commerce, GA? Call us at North Georgia Insurance Center, and we’ll give you a quote on an auto insurance policy. 

The Complete Guide to Georgia RV Insurance for Adventurers

Having the comfort of a home on wheels attracts more Georgia drivers to RVing. As such, the likelihood of more RV accidents while driving along Georgia’s picturesque highways and byways is increased. 

Protect your home away from home with RV insurance from North Georgia Insurance Center in Commerce, GA! 

Why Do I Need RV Insurance in Georgia?

Accidents happen. Whether you’re driving your four-door sedan or your forty-foot RV. The good news is that insurance coverage options are available for your RV in Georgia. 

Protection Against RV Accidents

Get your RV repaired or replaced to get back on the road. 

Comprehensive Coverage for RVs 

Safeguard your RV against non-collision-related incidents like RV theft, vandalism, natural disasters, floods, and other disasters that could cause thousands of dollars in expenses.

Personal Injury Coverage 

Protect the occupants of your RV with personal injury protection for bodily injuries that can help cover the costs of related medical expenses incurred by you and your passengers in an RV accident. 

Customized Coverage and RV Insurance Add-Ons 

Protecting one of your most important investments doesn’t have to end with liability coverage. You can add additional insurance to protect your RV equipment, tow vehicles, and related equipment. 

Get RV insurance if you operate any of the following vehicles in Georgia. 

  • Class A 
  • Class B
  • Class C 
  • Motorhomes
  • Travel Trailers
  • Towables
  • Pop-Up Trailers
  • Toy Haulers 
  • Fifth Wheels

Get Georgia RV Insurance

RV drivers must have minimum liability insurance when operating motorhomes and vans on Georgia roads. You can also add coverages like emergency roadside assistance or bundle your RV policy with an auto or home policy. 

Talk to a licensed agent at North Georgia Insurance Center in Commerce, GA, to learn about the best coverage options for your RV. 

What Can I Do If My Motorcycle Accident Claim is Initially Denied?

If you have been involved in an accident while riding your motorcycle in the Commerce, GA area and have had an insurance company initially deny your claim, don’t give up and think you must pay all repair and medical costs on your own. You may need to appeal the decision and provide additional documentation to receive payment. The experienced insurance agents at North Georgia Insurance Center can help you with proper claims adjustments that will result in receiving compensation for your accident.

Reasons Why a Claim Might Be Denied

Filing an appeal may result in approval the second time around. Common reasons why your claim might have been initially denied include:

  • You didn’t provide enough information. The insurance company will conduct its own investigation. If adjusters don’t have enough information to assess, they will readily deny your claim.
  • Your percentage of fault is more significant than 50%. Georgia has a comparative negligence rule. You may not receive a payment if an investigation deems you responsible for the accident.
  • The claim exceeded policy amounts. Motorcycle accidents frequently incur serious injuries. Sometimes insurance companies don’t want to pay all the costs associated with an accident, so that they will deny the claim.
  • The policy has lapsed. If you haven’t paid premiums on time, your policy may not be valid.
  • You did not report the claim promptly. Most insurance companies have strict guidelines on how soon you should report the accident.

Steps You Can Take

You have several options. File an appeal with your company with the help of the agents at North Georgia Insurance Center serving Commerce, GA. Another route involves negotiating with the insurance company to receive compensation. When all else fails, you may consider filing a lawsuit again to receive payment for injuries and damages.

Is Health Insurance Required by Law?

Health insurance is essential for maintaining your health over time and preventing financial hardships associated with injuries and ongoing conditions. At North Georgia Insurance Center, we are committed to helping the residents of Commerce, GA get the insurance protection they need for peace of mind. 

Health Insurance Requirements

Several years ago, a law was put in place that required most Americans to have health insurance for most of the year unless they wanted to pay a fine. Some may qualify for an exemption based on financial status or hardships, but most average individuals must carry insurance. 

To ensure you comply with federal laws, purchasing a health insurance policy that offers the minimum required coverage is essential. However, choosing the right policy for your specific needs is the main factor when selecting a policy. Avoid opting for the minimum coverage if it won’t provide adequate coverage. 

Our insurance professionals are here to make choosing the correct health insurance simple. We can assess your needs and match you with policies that meet or exceed those needs. Let us show you how we can make getting coverage hassle-free. Our goal is to provide exceptional service for your policy’s entire lifetime. 

Call Us Today

Health insurance is a crucial tool to ensure your well-being. Don’t wait to start shopping for health insurance that offers financial protection and allows you to maintain your health. Call or stop by North Georgia Insurance Center. We can provide you with answers to questions or schedule an appointment for a consultation. We offer top-quality insurance products to the residents in and around the Commerce, GA area. 

Two Main Types of Life Insurance

Life insurance is a must if you have people who depend on you. It’s important to leave something behind for them to keep them from financial hardship. It’s a good idea to know about the two main types of life insurance to make an informed choice. The two types are very different from each other. If you want to know more or are ready to start, call us today at North Georgia Insurance Center in Commerce, GA. 

Term Life Insurance 

This is a type that is named after the term that it lasts. Each term life policy is suitable for a specific number of years. This may be ten years, twenty years, etc. The policy stays in effect during those years. When the term ends, the policy is expired. After that, you have to get another policy if you still want to be covered. Many people choose this type of life insurance policy because it costs relatively little. It’s an affordable type of life insurance that often the type that fits into people’s budgets. If you’re on a tight budget, term life insurance may suit you. 

Whole Life Insurance 

If you want a policy that never expires, you may be interested in whole-life insurance. This type doesn’t expire at the end of a term. Instead, you can keep it for the rest of your life, even if you reach an advanced age. This type of life insurance is more expensive, but many people choose it because it builds a cash value. This is an amount that you can borrow against if you should ever need to. 

Get Life Insurance 

If you don’t have life insurance or want more, call us at North Georgia Insurance Center in Commerce, GA. 


Is Mold Remediation Covered By Home Insurance?

Do you have mold growing in your home? If so, you may have had a remediation or removal company come out and give you an estimate to remove the mold. And when you see its cost, you may wonder if your home insurance company covers mold removal. At North Georgia Insurance Center, we provide home insurance throughout the greater Commerce, GA area. We not only sell products, but we want to help answer the questions that people in the community have about this product. Read on to find out if mold remediation is covered by your home insurance policy. 

Is Mold Remediation Covered By Home Insurance?

Mold remediation may be covered by your home insurance policy. To determine if mold remediation is covered, you need to find out why the mold is growing in your home and whether the cause of the mold growth is covered. For example, if you had a pipe burst and that led to mold growth, mediation would be covered, as burst pipes are usually covered under your home insurance policy. However, if heavy rains caused a river to overflow its banks, and that caused mold growth, that likely would not be covered unless you had a stand-alone flood insurance policy. Flooding caused by heavy rains and overflowing rivers or waterways is typically excluded from home insurance policies. 

Home insurance may cover mold remediation, depending on the cause of the mold growth and the inclusions and exclusions of your specific home insurance policy. If you want to purchase a new home insurance policy or have questions about an existing policy, North Georgia Insurance Center, serving the greater Commerce, GA area, would love to work with you and answer your questions. Call us now to schedule an appointment. 

Easy Ways to Save on Gas and Insurance

Here at the North Georgia Insurance Center serving the Commerce, GA area, we’re all about helping you save money. From your auto policy to the gas you put in the tank, here are three easy tips to save on gas and insurance.

Tighten the Gas Cap

How many clicks did you hear the last time you tightened the cap on your gas tank? If you can’t remember, you’re not alone. Screwing the gas cap back on is something we tend to do quickly and in a hurry without a second thought. But did you know that poorly sealed gas tanks can cause you to lose up to 30 gallons of gas annually through evaporation? Next time you get gas, double-check the gas cap.

Follow the Speed Limit

If you stick to the speed limit, you’ll spend less on gas, and your insurance will be cheaper. When you follow the speed limit, you’re less likely to be involved in a crash, and your insurance carrier rewards you with reduced rates if you avoid claims. How does following the speed limit impact gas usage? Going beyond the limit may result in lowering your car’s fuel efficiency. Staying within the limit helps ensure your vehicle achieves the best fuel efficiency possible.

Walk, Don’t Drive

Of course, the easiest way to save on gas and insurance is to walk instead of driving. The fewer miles you put on your car each year, the lower your insurance premium. Plus, walking won’t cost you a dime in gas.

Are you ready to save even more on your gas and insurance? If so, contact the North Georgia Insurance Center serving the Commerce, GA area today!

Does RV Insurance Cover The Contents Inside the RV?

There is an infinite number of things that you could store inside an RV. If you live in the RV for an extended period, you will likely have all your life essentials with you. Life essentials could include clothing, medicine, furniture, electronics, etc. All these things carry value and are stored in your RV. So, if you are driving an RV around Commerce, GA, or anywhere else in the world, are your belongings inside the RV also covered? The North Georgia Insurance Center team is here to help educate you on the topic.

Contents Coverage for Your RV

RV insurance is going to include a variety of coverage types. One of the insurance types you want to be sure you have if you want the contents of your RV covered is contents coverage. Contents coverage insurance will help protect you if you have a covered loss and the interior contents of your RV take damage or are the victim of theft.

Contents Coverage Inclusions

Contents coverage can include everything from your electronics to furniture and jewelry and anything else you may have within the RV. An RV can carry many valuables, and content coverage helps keep you whole in the event of a loss.  

The North Georgia Insurance Center gets a lot of questions about RV insurance. Many of those questions relate to content coverage inside the RV. When driving around Georgia in your RV, you want to be sure you know what your insurance protects and what you can expect if you have a loss. 

Reach out to our team in Commege, GA if you have any questions.

Does motorcycle insurance cover my helmet and safety gear?

Riding a motorcycle is a thrilling experience but comes with various safety risks in Commerce, GA. That’s why it’s essential to know that your motorcycle insurance will cover your helmet and any other safety gear you may need. In this post, North Georgia Insurance Center explains motorcycle insurance coverage and what it protects.

What Does Motorcycle Insurance Typically Cover?

Motorcycle insurance typically covers any damage or injuries that occur as a result of an accident. This includes medical bills, repairs to the bike, and even liability expenses if you are found at fault in an accident. Depending on your policy type, it may also cover things like theft or vandalism, roadside assistance, and rental car reimbursement if your bike is unusable due to an accident or repair.

Does Motorcycle Insurance Cover Helmets and Other Safety Gear?

Regarding helmets and other safety gear, most insurance policies do not cover these items specifically. However, if you are covered by medical bills as part of your policy, those costs will be covered if you are injured while wearing a helmet or other safety gear. Additionally, some policies offer specific coverage for accessories such as helmets and leather jackets—it all depends on the insurer’s policy language. Be sure to read through your policy carefully to determine what types of coverage are included in your plan.

It’s important to understand precisely what your motorcycle insurance policy covers before hitting the road in Commerce, GA. That way, you know what type of protection you have should anything happen during your ride. If you still have questions, contact North Georgia Insurance Center today. We are here to help.

Five Reasons Why You Need Health Insurance

The younger generations are coming-of-age and entering the workforce. This means they face the choice of whether or not to purchase a health insurance policy. Many seem to think that youth guarantees health or that they will never develop any severe illness. However, that is not always the case.

1.) You may experience unforeseen health problems in the future.

Let’s say that you are in relatively good health. Then one day, that all changes. A surprising number of diseases can occur in the body in a relatively short time. Diseases can also run in your family and may develop at an early age. You need to be proactive and think about your future.

2.) You could fall victim to illnesses caused by your environment or lifestyle.

If you are currently healthy but indulge in drinking and smoking often, you could end up with the condition that will later need to be treated.

3.) Medical costs are at an all-time high.

A simple visit to the urgent care clinic can cost thousands without coverage.

4.) You could receive tax benefits just for being insured.

This can significantly help at the beginning of the year when tax season hits.

5.) You won’t have to dip into your savings in the event of an illness.

Protect your hard-earned money by thinking ahead.

The North Georgia Insurance Center in Commerce, GA will assist you in deciding which health insurance policy will suit you. Regardless of age, it is vital to make sure that you have adequate health insurance. Anything can happen at any time, and you need to be prepared. Call North Georgia Insurance Center or stop by the office if you are in the Commerce, GA area.