Auto Insurance and Teen Drivers: What You Need to Know

There are many questions that arise for Savannah, GA parents who have teenagers about to start driving. If this sounds like you, then you are in the right place. TruePoint Insurance has put together several commonly asked questions to help you as you navigate this new and exciting chapter of your life.

Why Do Your Auto Insurance Premiums Increase?

New and teenage drivers are responsible for a significant portion of serious automobile crashes, and insurance companies are very well aware of this information. Because of this, they must figure out a way to balance out the risk and reward. They do this by increasing auto insurance premiums for younger and less experienced drivers.

Is It a Good Idea to Get Teens Their Own Insurance Policies?

Many parents believe they should simply get their teen their own individual auto insurance policy. However, as a general rule, when it comes down to it, adding your new teen driver to your current auto insurance policy will be less expensive than purchasing a separate policy solely for your teen driver. However, there may be instances when a standalone policy is ideal, and our team can speak to you about your individual situation and determine which option is most cost-effective for your family.

Is There Any Possible Way to Reduce Premiums?

Because your insurance premiums go up when you add your teen driver, you may want to figure out a way to save money if you can. From multivehicle discounts, if you add another vehicle for your teenager to discounts for good grades, the good news is that there are plenty of discounts available through most insurance companies.

If you have any further questions about insuring your teen driver in Savannah, GA, or if you are ready to add your teenager to your insurance policy, reach out to our team at TruePoint Insurance.

Is Motorcycle Insurance Required in Georgia

With the wind in your hair and access to some of the best adventures in Georgia and nationwide, it is easy to see why owning a motorcycle is becoming increasingly popular. Just as you are required to have insurance for your personal automobile in Georgia, the same logic applies to a motorcycle with the state mandating separate insurance. At a minimum, motorcyclists must carry the following coverage:

  • $25,000 in liability insurance per person for injuries or death
  • $50,000 in insurance per accident for injuries or death
  • $25,000 in property damage liability per accident

Keep in mind that these figures are just the minimum coverage required to be in compliance with Georgia law and that many motorcyclists purchase additional coverage to better protect their assets, loved ones, and themselves. Failure to carry insurance while operating a motorcycle in Georgia carries hefty penalties including fines and revocation/suspension of registration. When shopping for insurance, bear in mind that liability insurance does not protect the rider and instead offers compensation and support for any victims of an accident caused by the motorcyclist. Given that motorcycle injuries are generally severe, additional coverage that should be considered includes collision insurance to pay for repairs or replacement of the motorcycle, comprehensive insurance to cover damages caused by theft, vandalism, hail, and more, and uninsured motorist coverage. 

In addition to insurance requirements, Georgia motorcyclists must also have a valid Class M License or Class M Instructional Permit which can be obtained through the completion of an accredited Motorcycle Safety Program Course or passing a vision test, written exam, and riding test administered by the Georgia Department of Driver Services. 

At TruePoint Insurance in Savannah, GA our friendly and dedicated team of insurance professionals is ready and willing to answer all your questions so give us a call today to learn more.

3 Tips for Understanding Your Auto Insurance

Auto insurance in Fisherville, KY can be difficult to really understand on a deeper level. Ultimately, you don’t just need to know the general definitions and broad terms of coverage that you have. What you really need is in-depth details about what exactly will happen if something does occur. TruePoint Insurance wants you to know a few things before settling on a carrier for your vehicle. 

Auto Insurance Is About You 

Your auto insurance has everything to do with what you do. Whether you drive all the time or just a couple of times a week, your policy is tailor-made to fit you. This can be difficult to grasp at first, especially when it seems like one quote is the same as the next. 

You Should Look Carefully 

A lot of auto insurance carriers will make decisions that you didn’t necessarily expect, which can make the actual terms of your coverage difficult to process. This is why it’s necessary (if not convenient) to really over the terms of your coverage if you live in Fisherville, KY. 

Your Partner Matters 

Some insurance carriers are responsive in a crisis. They have a team that’s standing by to help you understand where you stand when something happens. But other carriers simply don’t have those resources, or the staff simply isn’t interested. If you truly want to understand your auto insurance policy, you need more than just promises. You need someone who’s going to really explain it to you. 

TruePoint Insurance understands just how overwhelming and frustrating it can be to really look over the details of your policy. We understand why so many people choose based on financial considerations rather than the actual coverage that they need. Gives us a call today to see how we can help. 

Do I need Commercial Auto Insurance

We all know the difference between a truck and a car. Right? 

Car, truck or other.  The Volkswagon Thing test our standards.
The Thing; Car, Truck or ??

For most of my life, that was a straight forward question. Along comes the SUV and, more recently, the crossover, the once black and white responses it a lot grayer.

Here’s the good news. 

Has your insurance agent ever asked if you needed, car or truck insurance? Probably not. 

Since Cars, Trucks, and SUV’s are all insured by the same policy, there is no need to ask. However, You will be asked to provide your vehicles VIN. This will give the insurance company the information they need.

Delivery Trucks are considered commercial vehicles.  Some can be difficult to insure.
Delivery Trucks considered Commercial

Who needs a Commercial Insurance Policy?

Business Autos cannot be adequately protected with a Personal Auto Policy. A commercial policy of some form must cover these vehicles.

Who decides whether my vehicle needs commercial auto coverage?  

Theoretically, any vehicle can be used for a business purpose. This requires extra effort from insurance carriers and agents as the work to provide adequate coverage.

I like to tackle that question from the other side. Who decides that a Personal Policy does NOT cover my vehicle?

Accurately communicating how you utilize your vehicle is critical. It allows your agent to confirm or deny that coverage exists for your situation.  

Business Auto Insurance also Covers Personal Use

The Commercial Auto Policy is more flexible than Personal Coverage. While protecting your car at work, it can also safeguard automobiles during personal use. While Personal Auto covers only personal use of your auto.  

If you use your vehicle in your business or profession, you may need Business Auto Insurance. In many cases, the need for Commercial Auto Insurance is obvious. Taxis, Tow Trucks, Delivery Vehicles, Cable Installers, Lawn Care providers are just a few examples.  

What you say may be more important than what you drive. 

How important is it for you to have your Company’s name, a business logo, or your phone number on your vehicle? I want my brand information anywhere and everywhere that I can afford to have it. While that may be great for business, it is also the first place I go to assist individuals regarding the need for commercial insurance. When vehicles have advertisements, there is little doubt. The question of commercial insurance or personal insurance is almost always resolved. If you’re driving a car with a business name or logo on it, you will almost always need a Commercial Auto Policy.

I occasionally drive my personal vehicle in work-related activities for my employer. Do I need Commercial Auto Insurance?

Remember, Business Auto Insurance is more flexible because it covers both commercial and personal use of your auto. Personal Auto Insurance covers your vehicle only when it is being used for personal activities. 

Check with your agent before using your car or truck for any use other than personal.

Performing job-related duties while driving your car does not mean you need to run out and buy a Commercial Auto Policy. Your employer may have a more cost-effective solution. If you are asked to use your personal vehicle for work-related activities, you should first determine if the business has Hired & Non-Owned Auto Coverage in place. This coverage picks up what your personal auto policy coverage excludes. If you would like additional information on Commercial Insurance Policies or want to learn more about Hired & Non-Owned coverage, contact a TruePoint Commercial Specialist at (912) 330-1265.

Ready to Ride? Not Without Insurance

If you need insurance for a Harley or any other bike in Kentucky, Call TruePoint at (502) 410-5089 or visit are website at www.insuringky.com
Need insurance for a Harley in Kentucky?

If you’re looking to buy motorcycle insurance, you’ve come to the right place! Whether you need guidance choosing your first plan, are looking to upgrade your existing one, or just have general questions, the agents at TruePoint Insurance in Fisherville, KY are happy to help! With decades of experience in the industry, the agents at TruePoint Insurance are extremely knowledgeable and prepared to answer your questions. Here are a few tips to help you get started:

Know the Requirements: Motorcycle insurance is mandatory in Kentucky. Whether you just moved here or purchased a new bike, your motorcycle needs to be insured. Since rules and requirements vary by state, it’s important to know what is defined as a motorcycle in Kentucky. This includes the number of wheels on the vehicle, the size of the cylinder(s), etc. The agents at TruePoint Insurance have locations in Fisherville and Lawrenceburg, KY. If you’re a Biker in Kentucky, you will find them to be a valuable resource. Drop by either office and a TruePoint Insurance professional we help you pick the plan that is best for you and your bike while complying with state laws (1).

Kentucky's TruePoint Insurance has become one of the most trusted names ins motorcycle insurance.  Find out why other's  are placing their trust in TruePoint.
Call TruePoint for Kentucky Motorcycle Insurance

Meet the Minimum: In Kentucky, motorcyclists are required to carry (at a minimum) liability insurance (2). You will need additional coverage to protect the bike itself and for personal medical expenses (2). These options vary greatly and can include protection for damage not caused while on the road. The experienced agents at TruePoint Insurance will be able to explain these additional options to you.

Be Prepared for the Unexpected: Let’s face it – accidents happen. Purchasing insurance will give you peace of mind if you ever run into a bump in the road. Having served Kentucky motorcycle enthusiasts in the area for years, the agents at TruePoint Insurance know not only the basic requirements of motorcycle insurance but also the additional coverage that’s the most beneficial.

Don’t delay – call TruePoint Insurance for your perfect plan today!

Preparing to buy your first Child Car Seat

Buy the right seat for your kid

Do you know the four stages or steps for car seats?  Rear-facing seats for newborns.  At 20 pounds a forward-facing Toddler seat is appropriate.   Step three, booster seats for age four or forty pounds.  The stage ends at age 8 unless the child reaches 4'9" beforehand.
Forward facing seats at 20 lbs or more

Many of us avoid or delay decision making. Especially if we are dealing with a new set of issues. Decision making can be extremely stressful.

It’s not surprising that first-time parents report elevated levels of stress and anxiety. In a relatively brief time period they will be expected to make a large number of often critical decesions.

Before you can take your newborn home you will have to decide which Child Safety Seat is right for your situation. The car seat is vital for your child’s safety! The child’s car seat comes down to your judgment and perceived importance of seat safety options, the seat integration to your vehicle, budget, and other factors relating to what best fits your family. Safety is obviously paramount, but you also have to consider Georgia Car Seat Laws. These laws have been designed with your child’s safety in mind and should provide valuable insights. Make sure you’re up to date with the car seat laws in your state and review your vehicle manual for proper fitting.

According to Georgia Consumer Protection:
The 4 Steps for kids car seats are:
1. Rear-Facing Infant Seats in the back seat from birth to at least one year old and at least 20 pounds.
2. Forward-Facing Toddler Seats in the back seat from age one to about age four and 20 to 40 pounds.
3. Booster Seats in the back seat from about age four and 40 pounds to at least age eight, unless 4’9”.
4. Safety Belts at age eight or older, or taller than 4’9”. All children age 12 and under should ride in the back seat.

2020’s Top Rated Car Seats:

According to www.safety.com: (Updated April 16, 2020)

Bringing Home Your Newborn? You should consider the Britax B-Safe Infant Car Seat.

Want a Child Car Seat that adapts to the changing needs? Look into the Graco 4Ever DLX 4-1 Infant to Toddler Car Seat. This seat can be used in any of the four different positions.

Still, driving a small car? There’s a child safety seat for you.  The Graco SlimFit 3-1 Convertible Car Seat is for those parents still fight to keep the choice of vehicle. Wait there’s more the SlimFit 3-1 is another Child Car Seat designed to adapt with your child growth. This seat has been designed for children between 5 and 100 pounds.

A Child Passenger Safety Technician can show you how to install or inspected this critical addition to your auto.

Need help installing your Child Safety Seat? Maybe you need the comfort of a second opinion. Regradless, the organizations listed below have provided a helping hand for new parents in the past. You may want to make a quick call beforehand. Below is a list of places you can call and schedule an appointment to have a Child Passenger Safety Technician show you how to install your car seat or have it inspected.

If there not old enough to be a backseat driver, then your sure don't want to count on them to take care of the child car sear.
I hate this seat belt. I can never get it fastened.

1. Georgia Child Occupant Safety Project:

Peachtree Street, NW
15th Floor
ATLANTA, GA 30303 (404) 657-2700

2. Georgia Governor’s Office of Highway Safety:
Use the link below and then select your location from the provided map. This will provide information related to your local resources.

https://www.safekids.org/inspection-stations#KY

3. The National Child Passenger Safety Certification

Use this link for access to a national directory. In many cases, you will be provided multiple location options.

Non-Standard Auto Coverage

What is a non-standard driver.  They come in many forms and there are many reasons one might be classified as non-standard.  Risky, more accidents, tickets, and multiple accidents are just a few reasons.  The most common thread of non-standard drivers is that most pay significantly higher premiums.  Are you a non-standard driver?
Non-Standard Drivers come in many forms

Most properly licensed persons who drive cars (including vans, SUVs, hybrids, crossovers or pickup trucks) are eligible for policies designed for standard and preferred drivers. In the insurance world, standard and preferred refer to those who typically:

  • ·Drive vehicles that are relatively inexpensive to repair or replace
  • ·Do not use their cars for business
  • ·Have good driving habits
  • ·Do not suffer impairments that seriously affect their ability to drive
  • ·Do not rack up an inordinate amount of annual mileage
  • ·Have few accidents and/or traffic violation

Drivers who fall outside of the typical range of vehicle operators qualify as non-standard drivers.

Is you auto insurance breaking the bank?  If so you might have a non-standard auto insurance policy
Expensive Auto Insurance

Generally, non-standard drivers cause more losses so insurance companies may charge them substantially higher premiums or restrict the amount and type of coverage. Besides charging higher premiums, non-standard insurers often charge additional amounts for tickets and accidents. Limits are controlled by offering limits that match what is required by state laws or offering limits slightly higher than these minimums, but which are far less than what is provided by standard and preferred programs. Non-standard programs often are more restrictive, excluding coverage for situations such as special or custom vehicle features (stereo systems, custom wheels, special paint jobs, engine enhancements, etc.). These programs may also bar coverage for more situations, such as when a loss involves a car that the driver has either rented or borrowed.

Being classified as a non-standard driver is often a temporary situation that can change with the passage of time, such as newly licensed drivers, or drivers who had a period of several tickets or accidents. Other situations involve the opposite, where drivers may be re-classified because of having a medical impairment or who reach a very advanced age. Other reasons for re-classification may be due to the vehicle, such as operating a car that is too old to be written by standard insurers, as well as cars that are highly customized, are very expensive or are designed for higher performance.

There are a number of reasons why a driver’s only option is the non-standard market, including merely having a preference for a minimum amount of insurance protection. However, it is a market that provides full coverage (protecting against legal liability for causing loss to others and protecting against damage to one’s own vehicle), though the coverage is not as broad or economical as what is available from the standard market. Regardless, this market performs a critical role that permits a greater number of drivers and vehicles to get needed insurance protection.


COPYRIGHT: Insurance Publishing Plus, Inc. 2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Tornado Shelters

Tornado season is in full swing. Are you ready?

Homes may be built with solid craftsmanship and with the use of the best materials, but most residences offer little to no protection against a common hazard…..tornadoes. Recently, homeowners have begun to embrace the use of tornado shelters. Before discussing this protection method, here is some background information.

In the U.S., tornadoes most often occur in the Midwest, Plains and Southern states. Tornadoes are created by thunderstorm fronts where moist, warm air meets moving cool fronts. Winds first form a horizontal rotation that is lifted upwards by warm air. When the rotating column is tilted high enough, it becomes a tornado.

Tornadoes can occur anywhere and at any time, but the peak season is in late spring through the summer. Wind speeds range from less than 100 to +250 mph. The stronger the storm, the longer its lifespan (generally 10-15 minutes). The damage path of a hurricane is usually narrow and short, but they can be as large as a mile in width and travel tens of miles. Tornado damage can be substantial as the winds and wind-carried debris are powerful enough to demolish buildings.

When a tornado threatens a home, the safest response is to get to the lowest and innermost space; away from all doors and windows. Basements and cellars are ideal, but these features are not found in most homes. In the past, it was common to equip homes with storm cellars, located adjacent to home, to protect against severe storm winds. Today, in response to the need for more protection, there has been a revival in the use of tornado shelters.

Tornado shelters offer the best protection .  Buried, reinforced safe rooms that  can be designed to fit your needs.
Christie England stands in the storm shelter in front of the remains of her home May 27, 2013, in Moore, Okla. England’s home was destroyed in the May 20, 2013, EF-5 tornado that ripped through Moore. The storm killed 24, injured hundreds and damaged thousands of homes. (U.S. Air Force photo/Tech. Sgt. Bradley C. Church)

Tornado shelter are, essentially, reinforced safe rooms, ranging from regular room size, down to small enclosures that are fitted within closets or garages. They may even, like storm cellars of old, be buried in the ground. They are constructed of reinforced metal walls that are, ideally, bolted to a cement floor. Such structures are capable of staying intact even when the surrounding structure is obliterated by tornado winds. Shelters are designed to accommodate a typical family and may cost several thousand dollars.

While shelters do little to protect a residence, they do respond to the most important issue, increasing the chance that residents can survive a tornado and rebuild.


COPYRIGHT: Insurance Publishing Plus, Inc. 2015

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Understanding Car Insurance; Auto Liability Limits

What are Auto Liability Limits?
Auto Liability Limits are the part of your insurance that protects you for damages to others.

What happens if you or an auto you own are involved in an accident and deemed to be at fault? You will be liable for losses to the other party’s vehicle and any injuries resulting from the accident.

You can find your Auto Liability Limits on your declarations page. Auto limits are the three numbers which look like those below:


100/300/100


The first two numbers, 100/300, represent the coverage available for BI, or Bodily Injury. Your BI protects you when you are at fault, and as a result, injury has occurred to others.


The first number (100) indicates that the policy provides up to $100,000 of coverage to any one person. The (300) states that the total amount available to cover all injured individuals. The number 300 indicates that BI has a $300,000 cap.


The final number represents Physical Damage. It is also referred to as PD. Physical Damage coverage protects against property damage caused by the insured. In our example, the number (100) indicates that you have $100,000 in PD coverage.

Several States have recently increased the required minimums For Auto Insurance


Liability Limits represent the amount that your insurance company is legally liable for. Those limits vary and are dependent on the amounts you requested. Each state sets minimum required limits.

Below are the required limits required by the states served by TruePoint Insurance:

Georgia 25/50/25

Indiana 25/50/25

Also, Indiana requires minimum limits for Uninsured and Underinsured Motorist
25/50/25

Kentucky 25/50/25

South Carolina 25/50/25


In addition, South Carolina requires minimum limits for Uninsured and Underinsured Motorist
25/50/25

What happens when the cost exceeds my coverage limits?
As insurance agents, we have thoughts and suggestions related to auto insurance. However, there isn’t a right answer to the question above. Will the injured party pursue the claim once it exceeds the limits? For those that do seek to be fully repaid, they will likely seek recourse in a courtroom. This takes us or any other insurance agent out of the picture. It also makes it impossible for an agent to answer this question.


Before purchasing car insurance:Take the time to speak with an agent; one that is willing to provide insurance decisions that are right for you.

Exchange Students – Automobile Coverage

This article briefly discusses how a personal auto policy responds to exchange students. Please be sure to read its companion article, “Exchange Students – Homeowners Coverage.”

First, make sure that the exchange student is permitted to drive under the rules of the exchange student program. If program rules allow driving, contact your motor vehicle department to make sure that your student has a valid driver’s license.

If your exchange student will be driving your vehicle you will many cases continue to be covered.  However a lot of items will impact this.  Be sure to speak with your insurance agent.
Will the exchange student drive your car?

The typical auto policy extends its coverage to any person having your permission to drive a covered vehicle. Your liability coverage will protect the exchange student against damage or injury that he or she causes to others. Coverage to the damage done to your vehicle is also available when you have the appropriate physical damage insurance. Of course, the coverage is subject to your policy’s insurance limits, deductibles, and other provisions.

Medical payments coverage will apply to the exchange student who is injured in an accident while occupying or driving your car with your permission. If you expressly forbid the exchange student to drive your vehicle and the student disregards your wishes, you may not have insurance coverage if an accident occurs. Any questions regarding an exchange student’s vehicle use need to be carefully considered; especially since you will want to avoid having to deal with uncovered auto losses.

Be very careful regarding any minor-aged exchange student who is considering buying a car, truck, motorcycle, RV, boat, moped, scooter or any other vehicle. An exchange student’s temporary residence status makes it very difficult to get proper coverage. Student vehicle owners who cause an accident could experience some complex legal problems. If faced with an exchange student who owns a vehicle, it is important to get any available assistance from the exchange student program, including their legal counsel. You should seek your own qualified legal help to make sure that your interests are protected. The safest course would be to avoid an exchange student situation that includes an owned vehicle.

Please check with a qualified insurance professional to thoroughly discuss your coverage needs.


COPYRIGHT: Insurance Publishing Plus, Inc. 2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.