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Motorcycle ownership can be a great vehicle option for many people. To get the most out of your motorcycle, though, it is important to be aware of the increased dangers that bikes present. At TruePoint Insurance, serving Savannah, GA and the surrounding areas, we make it our job to help clients stay safe on the roads. Keep reading to learn more about why motorcycles can be dangerous.
Less Protection
A motorcycle provides a great sense of freedom on the road, which is partly due to the fact that there is nothing surrounding the driver. Although this can be thrilling, it also increases the driver’s risk factors. With nothing protecting you from impact, you should be aware that driving safety is even more important than in a regular vehicle.
Smaller Size
Smaller vehicles are always at greater risk for damage, and drivers are at greater risk for injuries. This is because a larger vehicle can damage you and your bike more. Because you are a smaller vehicle, it will be important for you to take responsibility for extra safety precautions.
Higher Speeds
Due to the bike’s smaller size and design, motorcycles can reach higher speeds than some other types of vehicles. The temptation to speed can be strong when driving a motorcycle. It is your responsibility, as a biker, to always keep a safe speed. This helps to protect you as well as other drivers on the road.
To learn more about motorcycle insurance, please get in touch with us at TruePoint Insurance, serving Savannah, GA, and the surrounding areas.
Did you know it is against the law in 48 states to drive without car insurance? Let the professionals at TruePoint Insurance, who serve the Savannah, GA area, provide you with the coverage you need for your car or truck.
Why is car insurance necessary? If you are like most drivers, you think it is not needed. But having car insurance is necessary for any driver.
The three main reasons to have car insurance are to comply with the laws of your state, satisfy lender requirements, and protect your assets. All states require you to take financial responsibility for damage you cause if an accident is your fault.
Auto insurance is required because it provides drivers with payment for damage to their vehicle caused by an accident or other covered perils, such as theft, fire, vandalism, falling objects, or other accidents.
It doesn’t matter what type of vehicle you drive; there is always the chance of a traffic mishap. Accidents frequently happen for several reasons and varying extents, but they always cost money. They can cause severe injury or death. If you are without car insurance, serious trouble can result. Not only will it cost thousands of dollars for medical bills and the damage incurred, but your driver’s license could be revoked, and you could be faced with a hefty fine.
Liability insurance is required by law. It is usually the most expensive, so your insurance provider will be responsible for any damage you cause.
Other coverage is collision, comprehensive, gap coverage, uninsured/underinsured motorist coverage, rental reimbursement, and roadside assistance. These coverages can provide a lot of protection for a small price increase.
Let the insurance professionals at TruePoint Insurance provide you with the coverage you need to protect your vehicle and driving privileges. Contact them today.
When you purchase the required auto insurance to fulfill Georgia law, you might consider buying a policy that provides the minimum coverage. In most cases, though, you should insure your vehicle fully through TruePoint Insurance.
Full coverage of your vehicle ensures that your insurance policy protects your vehicle and the other vehicles of the other drivers on the road. The state minimum insurance you obtain to legally drive in Savannah, GA and the rest of the state only protects the other drivers’ vehicles. If you cause an accident, the bodily injury liability component covers the other drivers’ hospital and medical costs, plus that of their passengers. Your property damage component protects the vehicles of the other drivers.’
You only protect your own vehicle by adding collision and comprehensive coverage. This means that your policy covers all the repairs even if you cause a one-vehicle accident, as in, you damage your car, truck, or SUV. That means you’ll only need to pay a small deductible out of pocket for complete repairs instead of shelling out for all the repairs yourself.
Full coverage also protects you from damage caused by animals, such as deer, running out in front of your vehicle and acts of nature. If hail damages your vehicle, your full coverage policy protects your vehicle by paying for repairs. Whether you hit a fence, a wall, or a tree limb falls on your car, comprehensive and collision cover you. It even covers theft.
Contact TruePoint Insurance
Contact TruePoint Insurance serving Savannah, GA, to expand our auto policy to full coverage. Let us help you protect your vehicle and finances. Full coverage auto insurance protects you against all losses.
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.
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.
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.
We all know the difference between a truck and a car. Right?Â
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.Â
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 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.
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).
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!
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.
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.
I hate this seat belt. I can never get it fastened.
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.
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
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