RV Insurance- Keeping Your Family Safe on the Road

RV insurance in Georgia is a mandated insurance to have on a vehicle that is classified as a recreational vehicle, or RV.  RV insurance is essential as it is used as a protection for the driver in the case of an accident. Many motorists that own RV’s- including motor homes and trailers- use them for traveling with their families, camping, vacationing and even full-time dwelling. Without insurance, you are putting yourself at risk not only of financial liability toward any property damage, death(s) or personal injury claims that come about as a result of an accident, but possible fines and imprisonment for being an uninsured driver on the road.

In the state of Georgia, the laws for vehicle insurance follow a “fault” car insurance system, which means that if a driver is found to be at fault, they are  liable for all damages that come as a result of that accident. The minimum liability insurance that you may purchase will cover up to $25,000 for death or injury of one person, $50,000 for coverage of more than one person in the same accident and up to $25,000 worth of property damage. This is the minimum that can be purchased, but there are other factors in place which may require you to purchase more, or may propel you to purchase more based on your circumstances. When purchasing the bare minimum in insurance coverage, factor in that if you are in an accident and any of the covered amounts are exceeded, you will be personally liable for the difference. This is why it is key to ensure that you have the proper amount of coverage in place on your RV.

Tips for Comparing Motorcycle Insurance Quotes

Shopping around and comparing prices for motorcycle insurance is just as important as shopping around for automobile insurance. It is important to keep in mind that taking the first lowest quote you get, may actually end up costing you more money in the long run. There are a number of benefits to comparing motorcycle insurance quotes, but it is essential that you are aware of all the details that go into the quote. The following tips will help to make sure you understand what you are getting with each quote.

Coverage

When looking over the different quotes, if one or two seem to be significantly lower than the others instead of quickly buying the policy, make sure to carefully review the intended coverage. For example, a full-coverage quote that is lower than the others may pay out several thousand dollars less for injury. Make sure to read each quote and compare the actual coverage as well as the amount of coverage.

Deduction

Determine what you can afford in terms of the deduction and only choose a policy that specifies the amount you are comfortable with. For example, when going down the list of quotes, if one policy is less expensive, it may due to the deductible being a higher rate than what the other quotes offer. Keep in mind that you can increase or decrease the amount of your deductible each renewal period, so it always better to go with the least amount of deductible you can afford at the time and increase the amount later.

Discounts

Before you begin your search for online quotes, it is recommended that you research what, if any discounts you may qualify for. It is common for discounts to not be included in an online quote, so it may be better to call the insurance companies you are interested in to discuss the discounts you may qualify for. Some of the most common discounts include;

  • Bundling your home/renters, life, automobile and motorcycle insurance
  • If you have taken a defensive driver course
  • The type of Motorcycle you own
  • Security methods for the motorcycle

It is essential that you carry motorcycle insurance, but it is also important to choose the policy that best suits your needs. So, avoid going with the first lowest quote you see, instead take your time and carefully review each part of the quote to ensure you are getting the coverage you want.

Residents of Marietta, GA should contact LG Insurance Group to update their current policy or to discuss a new motorcycle insurance policy.

Ways To Prepare For Summer Boating Activities

Boating in the summer is a favorite pastime for many people. This is especially true for those who live near water and own a boat to use during the season. Unfortunately, you cannot just take your boat from storage out into the water before doing a few things first. Follow our tips to prepare your boat for all of the summer fun you will have in the coming months.

  • Get a tune up. You have not been using your boat for many months now so to make sure it is ready to go, take some time to get a tune up done. This is the best way to repair any issues and make sure your boat is good to go for the summer.
  • De-winterize your boat. If you took the time to winterize your boat before the cold months, then you need to make sure you de-winterize it before using it this summer.
  • Check your safety gear. On your boat you should have safety items including a first aid kit, life jackets, and fire extinguishers. Make sure that your first aid kit is stocked, you have plenty of life jackets for all passengers and that they are in good shape, and check your fire extinguisher(s). Hopefully you do not need them while you are out on your boat but you want to have them ready to go just in case!

One of the most important things to do before you get your boat out on the water is to make sure you have a great boat policy. If you want to explore your options for boat policies or even look at your current one to see if it still meets your needs, be sure to contact us at LG Insurance Group today.

Does your Personal Auto Insurance Extend to Rental Cars?

2013 Fall 033Generally speaking, the answer to this question is yes.  Of course, nothing can ever be as simple as yes or no, so there are key considerations as well as exceptions to this answer.

First, the broadest coverage on your auto insurance is what will apply to a rental vehicle.  So, if you do not have Comprehensive or Collision coverage on any of your insured vehicles, then these coverages will not extend to a rental vehicle.

Second, the vehicle you are renting needs to be considered a private passenger auto.  Typically, this would exclude any commercial vehicles, motorcycles, RVs, boats, etc.  So the next time you rent a U-Haul truck for moving across town, you should add their insurance coverage.

Third, there are territorial restrictions on your auto policy.  Most auto policies will cover you while you are in the United States or Canada.  However, outside of these countries, your auto policy will not apply.

Fourth, for your personal auto policy to extend coverage, then the vehicle needs to be rented for personal use, and not business use.  If you need to rent a vehicle due to your job or for any business reason, your employer or a business auto policy would need to extend coverage to your rented vehicle.

Lastly, of course, always check with your insurance agent or carrier.  Each company has a slightly unique policy so you want to ensure you are covered before you start driving the rental vehicle.

So what if you run into one of the exceptions and your auto policy will not extend to a rental vehicle?  Here are some possible alternatives to explore.

First, research your credit cards.  Many credit car companies offer a benefit to provide auto insurance to a rental vehicle if you use their card to pay for it.  Be sure to call your credit car company for their exact requirements and specifications before you rent the vehicle.  For example, if you are traveling to Ireland, the insurance requirements are more unique than in other countries, so only a limited number of credit car companies offer coverage necessary to cover rentals there.

Second, consider travel insurance.  Travel insurance providers can include rental vehicle insurance as part of their overall coverage package.

Finally, you always have the option of purchasing the insurance directly from the rental car company.  Though we would all like to avoid the additional hefty fees for this, there will be times when this may be your only option.