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.

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. 

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. 

   

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!

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.

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.

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.

Understanding how life insurance works and what type would be best can be confusing. Our North Georgia Insurance Center team understands that many Commerce, GA residents may find life insurance hard to understand. We’re here to take the confusion out of life insurance. 

What is Life Insurance?

Life insurance pays a beneficiary an agreed-upon sum of money in the event of death or illness. Life insurance can be an investment for a pre-set amount of time or your whole life. Term life insurance is a policy that exists for a specific amount of time and terminates after that time has elapsed. Whole life insurance exists for your entire life as long as you pay the premiums.

Term-Life vs. Whole-Life Insurance

Most people invest in term life insurance, particularly when they have minors or children they are caring for. Term life insurance is the most common life insurance. People typically invest in this form of life insurance because it’s more affordable than whole life insurance, and the coverage provided is usually adequate enough to meet your needs. Most people get term life insurance to cover the number of years a child and a loved one would be dependent on their income. The lump sum paid out for beneficiaries is typically ten-plus times your income. 

Conversely, whole life insurance is typically more expensive and is designed to last for your entire natural life. However, remember that how much you pay for life insurance is somewhat dependent on your age and the type of insurance you’re investing in. If you have questions about term life or whole life insurance, we can help. Call us. We’d be happy to explore the benefits of both.

When you remodel your RV, you also need to update your RV insurance. Why? Because your insurance covers the RV as you purchased it. Once you’ve updated the interior, you need to insure those new items that now form a part of your vehicle.

Whether you park your RV in Commerce, GA or travel the country in it, North Georgia Insurance Center can help you add the insurance coverage you need to protect your investment.

Remodeling an RV

Remodeling a recreational vehicle differs from buying a new microwave for it. The microwave receives coverage under the policy coverage for personal belongings.

Remodeling refers to removing the old flooring and replacing it or flooring over the old. It also refers to replacing the paneling, adding a loft, replacing the old furniture, or adding solar panels to obtain solar energy. The latter requires re-wiring your RV.

These types of updates become a physical part of the vehicle, unlike a new microwave or refrigerator that you could unplug and remove. Without an RV insurance update, your changes go unprotected.

Accident and Damage Coverage Applies to Your Stated Value

If you incurred an accident in your RV and damaged it, your current insurance only covers the RV’s value when purchased. Even if your policy contains a clause for actual value replacement, if the insurer doesn’t know the value changed, you would obtain the actual value as the company insured it.

Insurance agents request an item inventory for policies that cover personal belongings. This list with photographs and video documents the typical contents.

Remodeling or renovating the RV works the same way. You obtained your insurance based on the purchase value which you stated. That’s the amount on which your insurance agency based the policy. So, when you redo the interior or exterior of your RV, you need to update the insurance policy.

Contact Us

You might buy a used RV and redo it to flip it or to enjoy it, but until you update the insurance, its coverage only provides the purchase price or the Blue Book value, depending on the text of your policy. Contact North Georgia Insurance Center serving Commerce, GA to update your coverage today.

According to the NHTSA, there were over 5,570 motorcycle fatalities in the U.S. in 2020. That staggering statistic highlights the need for motorcycle riders to take precautions to prevent accidents. This blog post will explore some of the most effective ways to avoid motorcycle accidents.

1. Ride Defensively

The best way to avoid an accident is to ride defensively. This means being aware of your surroundings and looking out for potential hazards. It also means being cautious when passing other vehicles, as they may not see you. And finally, it means yielding the right-of-way to other vehicles when necessary.

2. Use Your Headlight

Another good way to prevent accidents is to use your headlight, even during the daytime. This will make you more visible to other drivers and help you see potential hazards on the road ahead.

3. Wear Proper Gear

One of the most important things you can do to prevent an accident is to wear proper gear. This includes a DOT-approved helmet and protective clothing such as gloves, boots, and a jacket.

4. Keep Your Bike in Good Condition 

It’s also essential to keep your motorcycle in good working condition. This means regularly checking the tire pressure, brakes, lights, and other essential bike parts.

5. Be Aware of Weather Conditions

You should also be aware of the weather conditions before you ride. For example, the roads will be more slippery and dangerous if it’s raining or snowing. So, waiting for better weather before hitting the road is best.

Invest in Motorcycle Insurance

Of course, even if you take all the above precautions, accidents can still happen. That’s why it’s so important to have motorcycle insurance. This type of insurance can help cover the cost of repairs or medical bills if you’re ever in an accident. When shopping for motorcycle insurance, compare rates and coverage options. This will help you find the best policy for your needs.

Get Motorcycle Insurance in Georgia

The above tips can go a long way towards preventing motorcycle accidents. But remember, even the most experienced riders can still be involved in an accident. It’s important always to wear proper gear and to invest in motorcycle insurance. North Georgia Insurance Center is here to help you find the right motorcycle insurance policy for your needs. We offer competitive rates and coverage options to fit any budget. Contact us today to get started.