Uninsured or underinsured motorcycle insurance is available to drivers in case they’re involved in an accident where the at-fault party is unable to cover the costs of the event. It’s not necessarily required for drivers, but it can be a very nice benefit to have in certain situations. If you live in Commerce, GA, North Georgia Insurance Center wants you to be aware of what it means to have total coverage. 

At-Fault Drivers 

When an accident occurs in Georgia, it’s the at-fault driver who is required to make restitution to the other party. They should be covering not only property damage but also potential bodily injury that may have occurred from the accident. However, not all drivers buy insurance or purchase enough insurance to cover the total expenses of the accident. If you’re hit by someone with a $100,000 policy limit and the bills total $150,000, you may need to cover the additional expenses on your own. 

Do I Need Uninsured Motorcycle Insurance?

As the injured party, you are able to request the additional costs from the at-fault party. However, there is no guarantee you’ll receive these funds. Uninsured/underinsured motorcycle insurance is designed for drivers in this situation, so they don’t have to worry about coming up with the funds. Experts recommend this extra insurance to all drivers, especially if they live in an area with a high population of uninsured or uninsured drivers. 

Motorcycles should be a stress reliever and not a source of anxiety. If you want to find out more about your risks on the road (and what you can do about them), call North Georgia Insurance Center today. We’re here to help the people of Commerce, GA stay safe and protected, no matter what they may face when they’re enjoying the freedom of their bike. 

The medical insurance world has changed dramatically in the last several years, and one of the biggest changes is the availability of affordable insurance through more providers for dental and vision needs. Neither of those is covered under your regular medical insurance, and many people put off necessary care because they are worried about costs and even whether a provider will see them. If you are in Commerce, GA, North Georgia Insurance Center can help you find a plan that will help you start taking care of that important individual or family needs.

Traditionally, the best choices for dental and vision insurance were through employers, but not everyone has that option. Many dental and vision policies are considered add-ons, and they can be purchased at an additional price through the same provider where you get your medical insurance. We can help you compare the costs of different insurance providers, and even help you find out if your preferred dental or vision providers are covered under a specific policy.

Dental Plans vs Dental Insurance

You may have heard about dental plans, which are advertised as an alternative to dental insurance. They are normally offered at what seems to be a competitive price, and if you don’t have insurance, that can seem like a bargain.

Unfortunately, dental plans normally require you to still pay out-of-pocket for any procedures you need, and most people find that they will save money in the long run by using dental insurance instead. Dental insurance will also cover expensive cleaning and exams, making it more likely you will get the care you need.

Your vision and dental health are too important to neglect because of insurance. If you live in Commerce, GA, please feel free to call North Georgia Insurance Center so we can show you how easy it is to get started with a new vision and dental insurance.

Most people in Commerce, GA will qualify for life insurance, but it can be easier to get if you are younger and in good health. There are different types of life insurance, so you may be able to qualify no matter what stage of life you are in. Discuss your options with an agent at North Georgia Insurance Center.

The first step is to fill out an application. On the application, you will be asked your health history, lifestyle habits, weight, family history, and income. You should answer these questions honestly because your policy can be cancelled if you lie on your application.

The next step may only be required for some policies. You will undergo a medical exam to evaluate your overall health. The medical exam will review your medical history, review your habits, check your blood pressure, weight and height, and take both a blood sample and a urine sample.

In order to get insurance, you will need to select a death benefit that is equal to your lost income potential. You also want a policy that you can afford so the premium is something you can pay. If you aren’t able to make your premiums, then your policy will be cancelled. If you choose a death benefit that is too big in correlation with your risk level, then you may not qualify.

There are some things that can make it more difficult to get life insurance. This includes having a pre-existing condition, major heart attack, dangerous habits, or a high-risk occupation. If you are in these categories, it may still be possible to get insurance, but you will have a higher premium and there could be a limit on the coverage you can have.

Contact North Georgia Insurance Center, serving Commerce, GA, to get a quote on life insurance.

You must have an M-class license to operate a motorcycle in the state of Georgia. You also need the proper insurance to drive legally. Read on to learn about policy limits and other responsibilities regarding motorcycle insurance!

Georgia auto policy minimums

The state of Georgia requires minimum bodily insurance of $25,000 per person and $50,000 per accident. You must also have an assurance policy that pays a minimum $25,000 per accident for property damage.

Although some take the risk of operating a motorcycle without insurance in Commerce, GA, it is not recommended that drivers ignore the law and operate any vehicle without the proper assurance plan. You subject yourself to a hefty fine if a law enforcement officer discovers that you do not have the proper insurance during a traffic stop. There is also the financial loss that comes with being underinsured or without an indemnity plan altogether. Contacting an agent at North Georgia Insurance Center is the best way to ensure that you remain in compliance with the law.

How does motorcycle insurance in Georgia work?

Motorcycle insurance works much like a standard auto assurance plan. You select your policy limits, which determine how big or small your premium payments will be every month. The plan then serves as a sort of safety net that you can rely on when you have an at-fault accident or when someone else is the offender but lacks the proper insurance to pay for the damages.

How much does motorcycle insurance cost?

Your motorcycle indemnity plan in Commerce, GA may not be as expensive as you think. There are some instances when the frequency of operation significantly affects the premium amount. You may find that you pay less for taking occasional joyrides on your bike. The make and model of your motorcycle also factor into the monthly cost.

Of course, you cannot get an accurate quote on motorcycle insurance until you call the experts at North Georgia Insurance Center. Jumpstart your plan today!

Congrats You Took The Plunge

The responsibility should never outweigh the enjoyment you and your family will experience as a result of your purchase of a recreational vehicle. Take care of the responsibility part first so it never gets in the way of the fun later. The easiest way to fully enjoy your new investment is to insure it fully. A great policy will protect you and ensure you don’t have to worry if a problem arises. 

Before You Gas Up You Need To Have a Critical and Comprehensive Conversation

There are several important points of interest that your insurance agent will want to know about in order to ensure you have the very best insurance policy for your needs. Every state has mandates regarding its standard recreational vehicle insurance policy. You may be able to secure a standard policy much like you can secure a standard automobile policy. However, to be fully protected it is imperative that you sit down and speak with an expert – your North Georgia Insurance Center agent. 

Your agent will want to know 

• if you plan on taking your recreational vehicle out of state
• who are the passengers
• do you plan on inviting guests aboard your recreational vehicle
• do you plan on going to surrounding out-of-country areas with your new recreational vehicle  

Make Your First Rest Stop Right Here

Come in and tell us all about your new recreational vehicle. North Georgia Insurance Center located in Commerce, GA serves Commerce as well as the surrounding areas.  We will make certain to keep your enjoyment of your recreational vehicle fun and worry-free In terms of insurance coverage. 

Having proper insurance is very important. One of the most important types of insurance that you need to have is health insurance. There are several reasons why you need to make sure that you are properly covered by health insurance.

Access to Quality Healthcare

One of the most important reasons why you need to have health insurance is that it will help to ensure that you have access to quality healthcare. If you need to see a physician, specialist, or another healthcare provider, you will need to be able to pay for the service. If you do not have insurance, you may not be able to get a visit. With insurance, you can make sure that you are able to get the medical care and attention when you need it.

Saves Money

Getting healthcare can be very expensive. To save money, you should make sure that you have health insurance. In situations in which you need more expensive care, the health insurance deductibles and costs will likely be much lower than the actual cost of care. 

Required by Law

Today, having health insurance is actually a legal requirement. If you do not have health insurance, you could face a severe penalty each year. Fortunately, there are plenty of affordable health insurance options that people can take advantage of to stay in compliance. 

For those that are in the Commerce, GA area and are looking to get health insurance, going to meet with North Georgia Insurance Center would be a great option. The team at North Georgia Insurance Center will be able to help you to find a great health insurance policy that provides you with the coverage that you need. This will ensure that you have peace of mind and coverage for any health concerns. 

A lot of people do not understand how life insurance works. This could be because life insurance is a broad and somewhat complex topic. This is what prompted our experts at the North Georgia Insurance Center to prepare this guide on the life insurance basics you should have understood before going to shop for life insurance in Commerce, GA.

What is Life Insurance?
This is an agreement you have with your insurer. In exchange for timely premium payments, the insurer promises to provide payments to your beneficiaries in case of your death. These payments are referred to as death benefits and they are typically income tax-free.

Why Do You Need Life Insurance?
A life policy is one of the cornerstones of smart financial planning. After your demise, the loss of income might put your family’s survival under jeopardy. By taking on this policy, its proceeds will ensure that your family has resources to not only pay for funeral expenses but to also replace the lost source of income. The policy can also be used to pay off any debts or mortgages you might have had, thus leaving your family’s assets intact. It can also be used to create an estate for your heirs.

The Main Types of Life Insurance Policies
The principal types of life policies are term-life and whole-life policies. In term-life, the insurer agrees to pay proceeds to your family if you pass away within a certain period (typically 1-30 years). If you’re still alive at the end of this period, the contract either expires or renews depending on the stipulations of your agreement. Whole-life policies protect you for as long as you live. Thus, regardless of when you pass away, your family will be reimbursed.

As stated above, a life policy is a financial plan designed to protect your family from the effects of loss of income that follow your death. It is, therefore, a necessity for anyone who has a family that depends on his/her income for their survival. Nevertheless, there are a lot more details to life insurance policies. To learn more about this coverage, visit the North Georgia Insurance Center. Having served the Commerce, GA area for close to four decades, our insurance experts will guide you on everything you need to know about this sound investment plan. Contact us here for more details.  

Even experienced riders are at risk of causing a motorcycle accident – how much more those who are new to riding. The high risk of injuries and bike damage should prompt new riders to get sufficient motorcycle insurance coverage. In Georgia, motorcycle liability coverage is mandatory with minimum requirements. As a new rider, however, you should consider more than just minimum protection.   

The following coverage will give you an idea of the kind of insurance protection you can get from North Georgia Insurance Center in Commerce, GA.  

Liability – Due to lack of experience, new motorcycle riders are at greater risk of causing an accident. Liability coverage helps pay for injuries or property damage to others if you’re found at fault in an accident. If injuries or damages exceed minimum liability requirements, you may be held responsible for paying extra expenses out of pocket. For this reason, new riders should consider higher liability coverage.

Uninsured/Underinsured Motorist – Unfortunately, there are all kinds of drivers on the road today with little to no insurance coverage. If you’re hit by one of them, this coverage will help pay for damages to your motorcycle and any medical costs. It helps protect your interests when accidents aren’t your fault.

Collision – If you own an expensive motorcycle, it only makes sense to protect it against accidents. Collision insurance helps cover the cost of repairing your bike if it’s damaged in a collision.

Comprehensive – The more you use your bike, the greater the risk of it sustaining weather damage or being vandalized or stolen. Comprehensive insurance protects your costly investment from these risks so you can enjoy your travels to the full.

For affordable motorcycle insurance that will provide the protection you need, contact North Georgia Insurance Center, Commerce, GA.

An RV is a great way to get out and see the world; however, there are different risks and liabilities that come with this type of vehicle that can make choosing the appropriate insurance slightly stressful. Whether you are new to RV traveling or have years of experience, here are a few common mistakes to avoid when choosing RV insurance.

Assuming Auto Insurance is Enough

As an RV owner, it is important to understand that your RV is much more than just a large automobile. It’s a specialized vehicle that requires a different type of policy and coverage. For example, it needs coverage that also protects your personal belongings stored inside of it. For this reason and many others, it is essential that you purchase an insurance policy specifically designed for your RV.

Insufficient Coverage and Buying the Lowest Priced Policy

It is essential that you have sufficient liability coverage, which will protect you in the case of an unfortunate incident. Not having sufficient liability insurance can result in a large financial loss, especially if there are medical expenses and loss of wages that exceed the coverage. Although it’s nice to save money, it is recommended that you avoid buying the lowest priced policy. Before buying RV insurance, you should compare the features and services that are available with the different priced policies.

Not Knowing About Potential Discounts

There are a number of things that can help reduce the premium for your RV insurance. For example, combining coverage for your RV with automobiles and home insurance policies through the same carrier, installing security and safety features on the RV and maintaining a clean and safe driving record can all provide discounts on your policy.

When searching for RV insurance, it is important to talk with your agent about the type of RV you have, the frequency of use and where you store the vehicle.

Residents of Commerce, GA and the surrounding area interested in learning more about RV insurance or upgrading their policy should contact North Georgia Insurance Center.