A Discussion on Lane Positions and Safety When Motorcycling

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Lane positioning depends on factors like maximizing your ability to be visible to other drivers and being able to see them. At North Georgia Insurance Center in Commerce, GA, we believe that safety is a priority, so we offer some tips for choosing the right position in a lane when motorcycling.

The Three Positions

A lane offers three positions or strips. The leftmost strip is position one, the middle is position two, and the rightmost area is position three. Motorcyclists should always consider the benefits and drawbacks of their lane position choices.

Position One

On two-lane roads, position one offers the most advantage. It gives you enhanced viability of the oncoming traffic and reduces the risks of other drivers making surprise left turns in front of you. Other drivers can easily spot you in their side mirrors, as well.

Position Two

The center of the road at position two is more likely to have oil and grease deposits, making it extra slippery when wet. This can make braking, turning, and accelerating more dangerous and challenging. However, position two is advantageous when taking blind hills and corners.

Position Three

Lane position three tends to have more gravel and sand, which poses a slip hazard. It makes you less visible to autos pulling in from right-side roads and oncoming traffic. Some other drivers take your location outside the lane as an open invitation to share it while they attempt to pass you, which poses real dangers.

Need Motorcycle Insurance Protection?

At North Georgia Insurance Center in Commerce, GA, we serve all of Georgia and South Carolina’s insurance needs for motorcycles, homes, autos, renters, watercraft, and more. Contact an agent today to learn how we can help you secure a great policy and get a no-obligation quote.

Why Yearly Checkups Matter

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Our team at North Georgia Insurance Center, serving Commerce, GA, cares about your health. We’re here to provide you with a life insurance policy that meets your needs in the event that the unexpected occurs. Here, we’ll take a look at why getting yearly checkups is such an important part of staying healthy.

Establish a Baseline

When you work with the same doctor over time, they can notice small changes in your health that can indicate larger problems that could be missed when you aren’t seen regularly. Lab work is important to ensure that your health is on the right track.

Disease Screening

Your doctor will recommend a variety of disease screenings based on your age, gender, and other risk factors. Early detection is key when it comes to treating many age-related conditions, and the sooner your doctor finds a problem, the sooner they can provide you with the most effective treatment possible.

Weight Management

As we age, metabolism (unfortunately) slows, and it can be more challenging to maintain a weight that allows you to feel your best. When you check in with your doctor once a year, they can provide you with strategies to maintain your weight, if necessary. This can help boost your energy and lower your risk of certain health conditions.

North Georgia Insurance Center: Serving Commerce, GA

At North Georgia Insurance Center, serving Commerce, GA, our team is here to help you find the perfect life insurance policy for your needs. Stop by our office today or reach out to an agent to learn more about how we can help keep your loved ones protected in the event of the unexpected.

Digital Legacy and Life Insurance: Ensuring Your Online Presence Lives On

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Our lives are increasingly intertwined with the online world in today’s digital age. We share our thoughts, memories, and experiences on social media, document our journeys through photos and videos, and even conduct financial transactions digitally. Life insurance can play a vital role in ensuring that our online presence lives in a way that reflects our wishes, especially if you live in or around the Commerce, GA area. 

Life Insurance and Digital Legacy

Life insurance policies can serve as a valuable tool for managing one’s digital legacy:

  • Covering Digital Debts: If you have online financial accounts or cryptocurrency holdings, life insurance can cover any digital debts or liabilities and spare your loved ones from unexpected financial burdens.
  • Providing for Digital Archives: You can designate a portion of your life insurance payout to create and maintain a digital archive or website to commemorate your life and achievements, ensuring your online presence lives on meaningfully.
  • Security and Privacy: Life insurance policies can also cover the cost of hiring professionals to secure and manage your digital assets, preserving your privacy and ensuring that your digital legacy remains intact.

Planning Your Digital Legacy

It’s essential to plan your digital legacy to ensure your online presence lives on as you wish:

  • Create a detailed inventory of your digital assets and accounts.
  • Specify your wishes regarding these assets’ management, transfer, or closure.
  • Designate beneficiaries for your digital assets in your life insurance policy.
  • Keep your digital legacy instructions and access information in a secure location known to your loved ones or a trusted executor.

North Georgia Insurance Center Can Help You

At North Georgia Insurance Center, we can help answer questions concerning life insurance. We serve the Commerce, GA area. Contact us today. 

Shielding Your Nest: Home Insurance Basics in Commerce, GA

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Your home is the most important investment you will ever make, and Commerce, GA residents deserve an insurance provider that will treat it as such. North Georgia Insurance Center’s experienced insurance representatives are on hand to make sure that your selection process goes as smoothly as possible. The following tips and pointers will go a long way in these instances.

Consider The Long Term

Having a policy covering any and all short-term concerns is great. However, does your chosen policy address any potential long-term concerns that may arise? If not, you will need to ensure that any future issues that could crop up are addressed proactively. If future shifts in your protection are easily anticipated, it is best to handle them ahead of time.

Discuss Risks That Are Specific To The Region

A home insurance policy will not offer specific coverage for every issue that could potentially arise in the Commerce, GA region. Clients will need to address these risks on a case-by-case basis. There is no one-size-fits-all policy that can be applied to every resident. By discussing risks specific to your region, you can avoid all of the usual pitfalls.

Cataloging Your Belongings

If you are waiting for disaster to strike before insuring your belongings, this plan is doomed to failure. Make sure to catalog your belongings before choosing a policy so that our team of experienced professionals can offer the necessary coverage.

Do you have any additional questions or concerns? Residents of the Commerce, GA area are urged to contact the North Georgia Insurance Center. Please stop by or give us a call as soon as possible so that you can schedule a helpful consultation!

Four things you might not be aware of regarding auto insurance

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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

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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?

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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?

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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

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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?

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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.