Why Motorcycle Group Riding Needs Formation on the Highway

Have you driven behind a group of motorcycles on the highway and noticed their unique formation? In many cases, most drivers do not pick up on the pattern unless they are a bike rider themselves, then they understand what they see before them. At LG Insurance Group, we want our customers to be aware of these group formations and how they protect bikers on the highway, whether they are traveling through Marietta, GA or other parts of the state. 

Knowing the route.

Before the group ride begins, the organizer of the ride will meet with all riders to go over the route they will be pursuing and review the hand signals needed for other drivers on the highway. Having unaware bikers on the highway can be a danger for collisions or accidents.

How many bikers are in group formation?

To keep bikers and other drivers on the highway safe, the group formation will often be split into groups of six or seven for larger groups. This allows the groups to travel cohesively, give each other space to slow down and accommodate the remaining traffic. Groups of 10 or more can cause traffic to back up, and cause the bikers to drive too close, risking a potential accident.

Include a tail rider.

At the end of each group that is riding, there should be a tail rider that stays approximately two car lengths behind the rest of the group. This is to notify traffic riding behind the group of any approaching turns or stops that the group is planning to make on the route. 

Call us today.

If you are a biker living in or around Marietta, GA, contact our agents at LG Insurance Group today for more information about motorcycle insurance.

 

 

 

Does Marietta, GA Boat Insurance Cover My Boat When in Transit?

Living in Marietta, GA, you have easy access to several fantastic lakes and other waterways to explore. Whether you enjoy fishing, skiing, or simply exploring the water, boats are a wonderful thing to have — but it’s important to keep your investment protected with boat insurance. 

Boat insurance, such as that offered by LG Insurance Group, offers comprehensive coverage so that should an accident happen, you won’t be liable for thousands of dollars. But before you by a boat insurance plan, it’s important to understand what all is covered. One question our agents often get is whether or not their boat will be covered out of the water. Here’s a look at that answer:

Does Marietta GA Boat Insurance Cover My Boat When in Transit?    

Generally, yes. When you add physical damage coverage, then you will be protected should your boat be damaged both in transit over the water and on land. Examples of physical damage that would be included in such a policy includes:

  • Fire
  • Overturning
  • Explosion
  • Collision 
  • Theft
  • Vandalism

It is important to note, however, if you are on the water and are having your boat transported by a towing company like Seaboat and your boat is physically damaged due to their negligence, then their insurance will payout.

Learn More About the Different Types of Boat Coverage By Contacting LG Insurance Group

There are a lot of different types of coverage that our insurance agency offers when it comes to watercraft. For example, with hurricane season upon us, it’s important to note that there is a separate type of coverage for emergency removal should a hurricane head towards Marietta, GA. Learn more about that coverage and other boat insurance policies by contacting one of our agents today. 

How Do I Protect My Personal Items When I’m On Vacation?

Going on vacation is supposed to be fun and exciting. Your vacation can become very unpleasant if you have your belongings stolen. Agents at the LG Insurance Group serve residents who live in Marietta, GA. They can offer you sound advice on how to protect your valuables while you are on vacation. They can even offer you a policy to help cover the cost of an item’s loss if it’s damaged or stolen.

Don’t Take Your Valuables With You

The best way to protect yourself from having your valuables stolen is to not take them with you. While there are items that you may need to take on your trip, there are ways you can secure them. One of the best ways is to have them locked in your hotel’s safe while you’re away. Most hotel rooms have small safes in each room, but for your bigger items, you may need to leave them at the front desk.

Personalize Them

Another way to protect your valuables is to have them personalized. Have your name and phone number engraved on them. You can also put a GPS tile on each item so that it can be easily tracked. While this won’t work for small items, it can be a lifesaver for larger items like laptops and cameras.

Call the agents of LG Insurance Group if you are a resident of Marietta, GA and plan on going on a vacation soon. Let them provide you with valuable tips on how to not only protect your valuables but yourself as well. Set up an appointment today and get the answers you need before you leave!

Is Umbrella Insurance For My Personal or Commercial Life?

Residents of Marietta, GA You Don’t Have To Split Yourselves In Two

The professionals at LG Insurance Group like to put an end to the mystery that surrounds umbrella insurance. People don’t know when to carry an umbrella despite the predictions for rain. Similarly, folks don’t know when to carry umbrella insurance. That’s why we are here.

The fact is that many people ascribe umbrella insurance to commercial business enterprise only. That is a mistake. Umbrella insurance is for both your professional and your personal life. The main reason it’s linked to the commercial enterprise is because of the amounts of money that are involved. Umbrella insurance is generally attached to a standard insurance policy. The umbrella is opened when you’re standard insurance payout is not adequate to cover a claim that has been lodged wherein you are responsible. Umbrella insurance will cover the amounts that are over your standard insurance limit.

Due to the huge amounts of money that can be involved people feel that either you have to be rich to need umbrella insurance or you have to be a profitable business owner.

Umbrella insurance can help in any situation where your standard insurance payout amounts are inadequate. This necessity varies and should be discussed with a professional agent.

Why Wait Any Longer Than You Have To

We gratefully serve the entire state of Georgia. Located in scenic Marietta, GA.  Contact us today to learn more about how umbrella insurance can protect many facets of business life and personal life. The telephone number is 678-671-8480. Call today to ask about any of our insurance products. We also write auto, home, and life insurance policies.

5 Tips for Evaluating a New Home

Are you looking for your dream home in the Marietta, GA area? Use these tips from LG Insurance Group to ensure you make the right buying decision.

  • Take a look at the neighborhood. Are there good schools, restaurants, grocery stores, and other resources in the area? Even if the house itself is perfect, living in a neighborhood that doesn’t support your lifestyle is a recipe for long-term frustration.
  • Note the condition of the houses around your potential property. Are they well-kept? Are there yards full of debris? The condition of your neighbors’ homes impacts the value of your own. Choose an area that won’t make it difficult to sell in the future.
  • Have an expert check out the house before you buy. Hidden damage in the sewer systems, roof, or plumbing could end up costing more to repair than it’s worth. Unless you’re absolutely sure you know how to spot potential problems, bring along a trusted guide to evaluate the home’s structural integrity.
  • Think about your daily commute. Is the neighborhood you’re looking at worth the extra drive time? Even if the price is significantly cheaper than other areas of town, you could find yourself spending more on gas and vehicle maintenance, which can quickly cancel out any savings.
  • What are your future plans? If you’re thinking about expanding your family or taking up a new hobby that requires a lot of space, make sure your new home is in an area that won’t prohibit these activities. Talk to the representatives with your homeowner’s association before buying to ensure your future plans won’t be derailed by their regulations.

Finding the right home can be a chore. However, getting insurance for your new home is simple. Contact the experts at LG Insurance Group for more information on protecting your new home in the Marietta, GA area.

How to Keep Your Vehicle Clean for the Summer

Keeping your vehicle clean throughout the summer can be difficult to do. In Marietta, GA, the independent insurance agents at the LG Insurance Group are available to help you with your auto insurance policy. They can also find ways to help you keep your vehicle clean throughout the summer months.

Stop the Sunlight

The sun can be just as damaging as rain to a vehicle. If your vehicle sits outside most of the day, you should consider moving it under a shady area while you’re at work. If you can, think about buying a car cover. If you’re going to leave your car for an extended period outside without shelter, a car cover would protect against fading.

Battery Maintenance

Most people might think that car batteries are more troublesome in the winter, but during the summer there are some issues that could cause your battery to fail. Temperatures can soar over 90 degrees and heat can quickly lead to battery fluid evaporation. If you see corrosion coming from the battery you can use baking soda and water to remove the corrosion.

Tire Pressure in the Summer

Check your tire pressure at least once a month during the summer. When the weather is hot, your tires can blow out if they are under inflated. Use the tire pressure label located on the inside of your car door panel to know how much air you should put in your tires. You can also check your vehicle owner’s manual for the correct amount.

Take a ride over to LG Insurance Group in Marietta, GA to talk about getting coverage for your vehicle. You’ll also be glad to know that their independent agents will also be able to assist you with homeowners, life, and commercial insurance when you’re ready.

 

Move Over NFIP, Private Flood Insurance is now a Viable Option for Homeowners

Since 1968, the Federal Emergency Management Agency (FEMA) has provided National Flood Insurance coverage through the National Federal Insurance Program (NFIP). The NFIP program has offered insurance protection for homeowners against potential flooding damage for over 50 years.

However, effective July 1, 2019, several long-standing federal flood insurance statutes will be revised. At that time, a five federal agency joint rule will now require federally-regulated lenders to accept private flood insurance; if the flood policy meets the criteria set forth by the Biggert-Waters Flood Insurance Reform Act of 2012. 

Homeowners in and around the Marietta, GA area who are interested in learning how this new federal statute might benefit their insurance coverage are encouraged to call the LG Insurance Group. Let their experts explain how this new rule may impact your personal insurance scenario.

The regulatory agencies involved in the joint rule include the Federal Deposit Insurance Corporation, the Federal Reserve, the Currency Comptroller, the Farm Credit Administration, and the Federal Credit Union Office of Administration.

Their joint ruling includes the following matters:

  • Requires lenders to accept flood insurance from a private insurer if the policy meets the guidelines set forth by the Biggert-Waters Act. 
  • Clarifies the circumstances under which a lender can accept private flood insurance policies that fail to meet the Biggert-Waters Act’s benchmarks.
  • Permits lending institutions to utilize flood coverages offered through agency-approved mutual-aid societies.
  • Prohibits regulated lenders from funding mortgages on homes (located in special flood zones) unless the property closes with sufficient flood insurance coverage.

Flood insurance options are now becoming available for the first time! Now is the time to let the professionals at LG Insurance Group clarify the flood insurance options for homes located in and around the Marietta, GA metro area.  

How the Class of Your RV Affects Insurance Rates

You love your motorhome and you know that for your protection you must insure it. Perhaps your RV is not powered by an engine at all, but instead, it’s a towable vehicle such as a such as a fifth wheeler trailer, travel trailer or pop-up camper. Either way, your insurance rate is determined, in part, by the kind of RV you have. At LG Insurance Group, which serves Marietta, GA, we can guide you in selecting RV insurance.

Class A motorhomes are generally the most expensive and largest you can buy. They are typically from 20 feet to about 45 feet long. Class B vehicles are the smallest, ranging from about 17 feet to about 21 feet long. Class C’s are a cross between the other two and can range from about 20 feet up to about 33 feet. Generally speaking, the longer an RV is the more it costs to insure it.

Insurance for Class A vehicles is usually more expensive than ones for Class B and C.  Besides size, Class A vehicles have powerful engines. The contents of your RV also affect policy costs. If you are like many owners a Class A vehicle, you might have equipped it with high-end electronics, appliances or furniture. This is also true for a Class C vehicle that could be similarly outfitted. 

While the insurance for a towable RV usually costs less than for a motorhome, note that the insurance you pay for the car, pickup truck or SUV capable of towing your RV might offset savings. Contact the LG Insurance Group, which serves Marietta, GA, for your RV insurance needs so you can have peace of mind when you travel. 

What happens if I don’t have motorcycle insurance?

Spending a nice afternoon riding around the Marietta, GA area on your very own motorcycle is a dream that many people share. While a motorcycle can provide you with a great experience, it also requires you to carry insurance. If you do not get insurance on your motorcycle, a number of different things could happen.

No Coverage 

One of the worst things that could happen if you do not have a motorcycle insurance coverage is that you will not receive any financial support or assistance if you suffer a loss. When you have a full motorcycle insurance policy in place, you can receive support for a wide variety of losses including vandalism, theft, or damage from an accident. If you do not have this type of coverage in place, you could end up having to make any replacement or repair expenses out of pocket.

Legal Violation

When you drive a motorcycle in the state of Georgia, you are required by law to carry liability insurance coverage in place at all times. If you are caught riding a motorcycle without this type of coverage in place, you will be in violation of the law and could face serious penalties. Some of the most common penalties for not caring motorcycle insurance can include loss of riding privileges, significant financial penalties, and even imprisonment if you are a repeat offender. Because of this, you need to make sure that you carry insurance at all times.

If you have a motorcycle in the Marietta, GA area, you should reach out to the LG Insurance Group. When you speak with the team at the LG Insurance Group, you can learn far more about your motorcycle insurance obligations. The team can also help you to get into a great policy that provides the right level of coverage.