Travel

Which types of vehicles are covered by RV insurance?

Posted on by agentinsure

There are many types of RVs, so determining which vehicles are covered by RV insurance can be confusing, but the explanation is simpler than you might think. If you have questions about RV insurance and whether your vehicle needs it, contact the LG Insurance Group team serving the Marietta, GA, area to get your questions answered.

RV Types and Insurance

RV insurance covers four types of RVs: Class A, Class B, Class C, and Towable RVs.

Class A RVs

Class A RVs are high-end models built on commercial truck or bus chassis. They can be so large and luxurious that they resemble houses on wheels. The largest sleeps eight people, and amenities often include a full kitchen, bathroom with showers, washer/dryer, and a full-screen TV.

Class B RVs 

Class B RVs are built on full-size van frames. Due to their smaller size, they typically have a small galley with a burner, a small refrigerator, a bathroom, and sleeping space for one or two people.

Class C RVs 

Class C RVs come on small truck chassis and typically have sleeping space over the cab. They vary widely in their amenities, ranging from near-luxury to modest.

Towable RVs 

Trucks with a fifth-wheel attachment pull towable RVs. Towable RVs can be as large and luxurious as a Class A RV or much more modest. Towable RV insurance covers only the RV, which is not motorized, while the truck’s insurance handles the liability and other insurance needs.

RV Insurance from the LG Insurance Group

Our team at LG Insurance Group, serving Marietta, GA, looks forward to addressing your RV or other insurance needs. Call us at 678-671-8480 today, or stop by to see us to ensure you get the coverage you need for your RV.

How to stay safe when RVing

Posted on by agentinsure

Rving comes with extreme freedom and an exciting lifestyle with unbeatable means of travel. It’s your home on wheels that keeps you relaxed with a homely feel even when you’re thousands of miles away from your physical home in Marietta, GA. If you’re planning to buy an RV or already have one in your garage, safety is what takes you out and brings you back. At LG Insurance Group, we recommend learning special safety precautions to ensure that your dream lifestyle doesn’t turn into a nightmare.

Inspect Your RV Before Leaving

Never start driving your RV before conducting a mechanical inspection. It is one of the simplest ways to stay safe and avoid accidents that would lead to the loss of lives. Have a checklist of what you must check and do before you leave and when you get to the campsite. Simple routine inspections such as brakes, engines, door locks, mirrors and other essential things can go a long way towards saving lives.

Research or Study the Route You Will, be Driving a Day Before Your Journey

In your everyday commute, you don’t think much about the place you will be diving because you are used to the same roads. You know where sharp corners are, where dangerous bends are and where the potholes are located. However, when it comes to foreign roads, you don’t know what is ahead, so you do your due diligence to find out and learn what to expect.

Invest Heavily in Road Assistance and Liability Coverages

Despite all the preparations, things still happen. Remember, not all drivers are as careful as you are.  Wildlife on the roads, flat tires and engine troubles can get you into danger, and the worst part of it is when you have no clue who to call to get help. LG Insurance Group recommends adding roadside assistance to your RV insurance policy.

Buy RV Insurance in Marietta, GA

Don’t forget to check and update your RV insurance. If you are unsure how to go about RV insurance, our experts at LG Insurance Group can help you find a policy that fits your RVing needs. Call us today.

Which RV coverages should I consider when going out for vacation?

Posted on by agentinsure

RVs were creatively designed for vacations. They are the perfect additions for your tours and trips in Marietta, GA where there are plenty of destinations to visit.  However, these homes on wheels come with critical financial responsibilities such as maintenance, insurance, and storage. At LG Insurance Group, we are all about helping you safeguard your investments, and that’s why we recommend having adequate RV insurance when out for vacation. So which coverages should you consider?

Roadside assistance

Travelling comes with many unforeseen mishaps that could happen in the middle of the road. That’s why most RV insurance companies include roadside assistance in case you get stuck in a remote area where there are no people to help.  This coverage helps provide emergency services such as towing and fixing your RV if it is a mechanical problem.

Property damage and bodily injury liability

It is almost impossible to go out on vacation without adequate liability. Whether you are using a travel trailer or a motorhome, you need liability coverage just in case you cause an accident, and other people get injured.

Personal effects coverage

RVs have enough storage spaces to keep your personal belongings and make you feel at home. For this reason, you may want to protect your valuable possessions by purchasing separate coverage for them. Most RV insurance policies in Marietta, GA cover your possessions, but it may not be adequate to cover and replace everything you own in case they are damaged or stolen.

Vacation liability

When out on vacation, you need comprehensive liability coverage to cover other aspects of your finances, such as hotels, parks, and airline tickets. If a trip is canceled due to weather, vacation liability can help you get your money refunded. The coverages also provide additional cover in case of accidents that occur where you are camping.

For more information about RV coverages, feel free to contact us at LG Insurance Group today.

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

Posted on by agentinsure

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!

RV Insurance- Keeping Your Family Safe on the Road

Posted on by agentinsure

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

Posted on by agentinsure

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

Posted on by agentinsure

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?

Posted on by Linda Grissett

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.