Start of the Summer Season Right by Making Sure your home is in good condition!
Preparing your home for the warmer months should produce a sense of enjoyment, not dread at what might be damaged, broken or need replacing. If you do find any damage, make any necessary repairs right away to mitigate further damage and help keep you and your family safe.
4 Reasons Why You Should Acquire Event Insurance For Your Special Event
Brought to you by Stonewall Insurance Agency:
Events that could require event insurance include weddings, fundraisers, concerts, sporting events, and many more.
Below are 4 reasons why purchasing event insurance for your special event is money well spent whether you’re organizing the event or are a vendor.
How many times have you seen or read news stories about mishaps at events? Regardless of what type of event is being held, accidents can happen and an event insurance policy is essential for the protection of organizers and vendors alike.
2) Care, Custody, Control Liability
Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the event organizer or vendor but with special event insurance, it is a coverage that can be added if desired.
3) Liquor Liability
Liquor Liability provides coverage and defense for an event holder who charges for alcohol and is sued for bodily injury or property damage caused by intoxicated event guests.
When you break it down, event insurance is all about protection. The most important benefit of event insurance is that it is a single, comprehensive policy specifically tailored to the needs of those holding special events or providing vendor services at events. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
0 159 April, 2019
Here are some tips to keep you and your family safe on the roads this spring.
Brought to you by Stonewall Insurance Agency:
1. Slow down for spring showers. Did you know that roads are the most slippery when it first begins to rain? This is caused by the rainwater mixing with contaminants on the road, such as oil and grease. Make sure to increase your following distance to allow for proper braking.
2.. Watch for animals on the move. Animal activity increases during the spring. For some, this is mating season and for others, they’re waking up from their long winter slumber. Remember, deer are most active at dawn and dusk.
3.Watch for pedestrians on the move. As temperatures increase, more people are outside walking or bicycling with their families. Slow down in your neighborhood and pay extra attention at crosswalks. If pedestrians have the walk signal, they have the right of way.
4.. Share the road with motorcycles. Because of their speed and size, motorcycles may quickly come in and out of your blind spots. Always take a second look now that motorcycles are out on the road. In addition, be courteous. Motorcycles have the same right to be on the road. If you end up following a motorcycle, maintain a safe following distance of at least four seconds. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned
0 192 April, 2019
5 Home Maintenance Tips for Spring
Brought to you by Stonewall Insurance Agency:
After a long, dark winter, spring's bright sun and warm winds are, well, a breath of fresh air. The only downside? All that sunshine spotlights your leaf-filled gutters, cracked sidewalks and the dead plants in last year's flower beds.
The following tips will get your home ready for Summer during this Spring Season:
1. Examine Roof Shingles-Examine roof shingles to see if any were lost or damaged during winter. If your home has an older roof covering, you may want to start a budget for replacement.
2. Check the Gutters-Check for loose or leaky gutters. Improper drainage can lead to water in the basement or crawl space.
3. Check Outside Faucets-Check outside hose faucets for freeze damage. Turn the water on and place your thumb or finger over the opening. If you can stop the flow of water, it is likely the pipe inside the home is damaged and will need to be replaced. 4. Service the AC Unit-Have a qualified heating and cooling contractor clean and service the outside unit of the air conditioning system. 5. Check Power Equipment-Check your gas- and battery-powered lawn equipment to make sure it is ready for summer use. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
0 929 March, 2019
CONTACT STONEWALL INSURANCE AGENCY TODAY FOR A FREE LIFE INSURANCE QUOTE! 770-996-1333
What is covered by standard homeowners insurance?
Brought to you by Stonewall Insurance Agency: -Coverage for the structure of your home
Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of the house.
-Coverage for your personal belongings
Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters.
Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. -Additional living expenses
ALE pays the additional costs of living away from home if you cannot live there due to damage from an insured disaster. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
WINTER DRIVING TIPS!
Brought to you by Stonewall Insurance Agency:
Severe weather can be both frightening and dangerous for automobile travel. Motorists should know the safety rules for dealing with winter road emergencies.
USE THE FOLLOWING TIPS TO STAY SAFE THIS SEASON: •Never mix radial tires with other types of tires
•If possible, avoid using your parking brake in cold, rainy and snowy weather
•Do not use cruise control in wintery conditions
•Look and steer in the direction you want to go
•Accelerate and decelerate slowly
•Increase following distance to 8 to 10 seconds
•Know whether you have antilock brakes, which will "pump" the brakes for you in a skid
•If possible, don't stop when going uphill
•Keep your gas tank at least half-full
•If you do get stranded, don't try to push your vehicle out of snow
•Signal distress with a brightly colored cloth tied to the antenna or in a rolled up window #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
Impress your family with these Thanksgiving Day facts!
Brought to you by Stonewall Insurance Agency:
On the fourth Thursday in November, families across the U.S. gather to feast on turkey, watch football and gear up for Christmas by looking for Santa during the Macy's Thanksgiving Day Parade, but did you ever wonder why these Thanksgiving traditions started?
The first Thanksgiving was held in the autumn of 1621 and included 50 Pilgrims and 90 Wampanoag Indians and lasted three days.
No turkey on the menu at the first Thanksgiving: Historians say that no turkey was served at the first Thanksgiving! What was on the menu? Deer or venison, ducks, geese, oysters, lobster, eel and fish.
No forks at the first Thanksgiving! The first Thanksgiving was eaten with spoons and knives — but no forks! That's right, forks weren't even introduced to the Pilgrims until 10 years later and weren't a popular utensil until the 18th century.!
Presidential pardon of a turkey: Each year, the president of the U.S pardons a turkey and spares it from being eaten for Thanksgiving dinner. The first turkey pardon ceremony started with President Truman in 1947. President Obama pardoned a 45-pound turkey named Courage, who has flown to Disneyland and served as Grand Marshal of the park's Thanksgiving Day parade!
5 Fall Driving Safety Tips
Brought To You By Stonewall Insurance Agency:
Stay safe on the road this season with these smart driving tips.
1. Don't brake on leaves. Wet leaves can be as slippery as ice. Drive slowly through them and avoid hard braking
2. Avoid sun glare. On and near the autumnal equinox, the first 15 to 45 minutes after sunrise and before sunset can make for more difficult driving due to sun glare. The sun perfectly aligns with east/west roadways during this time. Grab a good pair of sunglasses for the daytime and keep your windshield clean.
3. Use your rain smarts. During fall, many cities see increased rainfall. When it's raining, be sure to maintain a safe distance from the car in front of you, as the wet roads may be more slippery than usual and you may be at higher risk of hydroplaning.
4. Be careful on bridges. As the temperature begins to drop, morning frost can leave icy patches on bridges, overpasses and shaded spots on the road. Slow down.
5. Watch out for deer. Autumn marks the beginning of deer breeding season and they will be more active in areas near the road. Deer are most active during sunset and sunrise so be extra watchful when driving near the woods and near deer crossing signs. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
TIPS FOR THOSE AFFECTED BY A HURRICANE
Brought to you by Stonewall Insurance Agency: • PLEASE DO WHAT IS NECESSARY TO PROTECT YOURSELF AND YOUR LOVED ONES. We care about you! Please remember that safety must come first. We can repair or replace property but no one can turn back the clock after an injury.
• PLEASE DO WHATEVER YOU REASONABLY CAN DO TO PROTECT YOUR PROPERTY FROM DAMAGE OR TO MITIGATE ANY DAMAGE THAT OCCURS. (For example, if your roof is damaged, have a tarp placed over the damaged roof to limit water intrusion into your home.) Nearly all insurance policies require that the policyholder take all reasonable steps to minimize their loss.
• CALL US FIRST – Don’t become a victim of Assignment of Benefits fraud and abuse.
• Call Progressive/ASI as soon as you become aware of a possible loss.
• Some repair companies may try to convince you to sign an Assignment of Benefits (AOB) and begin repairs before calling us. An AOB is a contract between you and a third party – typically a contractor, roofer, or water mitigation company – giving them the right to deal directly with your insurance company and to receive payment for your claim. In some instances, this could result in a loss of coverage, leaving you holding the bill.
• Never sign anything related to a possible loss without first calling us or your agent.
• Calling us as soon as you become aware of or suspect any damage puts you in control of your claim and ensures repairs are completed to your satisfaction and our high-quality standards.
• SAVE ALL RECEIPTS AND TAKE PICTURES if you are safely able to do so. You can provide these to your adjuster. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
1 1615 October, 2018
Your Home's Fall Checklist
BROUGHT TO YOU BY STONEWALL INSURANCE AGENCY:
Fall is the perfect time to take care of the little things that can make a big difference for you and your home. Most of the tasks listed below are well with-in the average person's ability. But even if you choose to have a professional handle them, it's worth the expense. You'll save money—and maybe even your life.
1. Get Your Mind in the Gutters
Your roof's drainage system annually diverts thousands of gallons of water from your house's exterior and foundation walls. That's why it is so important to keep this system flowing smoothly. Clogged gutters can lead to damaged exterior surfaces and to water in your basement.
2. Freshen Your Filter
Furnace filters trap dust that would otherwise be deposited on your furniture, woodwork, and so on. Clogged filters make it harded to keep your home at a comfortable temperature, and can serious increase your utility bills. A simple monthly cleaning is all it takes to keep these filters breathing free and clear.
3. Get on Top of Roof Problems
Few homeowner problems are more vexing than a leaky roof. Once the dripping starts, finding the source of the problem can be time-consuming. Stop problems this fall before ice and winter winds turn them from annoyances into disasters. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
1 1611 October, 2018
WHY SHOULD YOU BUNDLE YOUR HOME AND AUTO INSURANCE TOGETHER?
Brough to you by Stonewall Insurance Agency!
BUNDLING SAVES MONEY!
Combining your home and auto insurance under one carrier may lead to some serious discounts. Also referred to as a multi-policy discount and a companion discount, it saved consumers in the U.S. an average of 20% in 2017. While the amount you save varies from state to state, in certain states, like Georgia, folks saved as much as 22% by combining auto and home policies, and 11 other states also averaged discounts greater than 20% if you stuck with the same company.
BUNDLING IS CONVENIENT!
Bundling makes managing policies easier, cuts down on paperwork, cuts down on the amount of time you’ll spend trying to remember login information and passwords, and reduces the inconvenience of having to communicate with multiple carriers about multiple policies. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
5 important things to keep in mind about fallen trees and insurance:
Brought to you by Stonewall Insurance Agency
1. Your homeowners insurance likely covers tree removal and damage repairs for your home and other insured structures, such as fences. That’s once you pay your deductible, of course. Examples of covered incidents can include strong winds knocking a tree over onto your roof or lightning striking a tree, causing it to fall on your fence.
However, if a tree falls due to neglect, you may not receive any coverage. So keep your
trees in good shape.
2. If there’s no damage, there’s likely no insurance coverage. If a tree falls on your property without damaging any insured structures, you will likely need to cover the costs of tree removal yourself.
3. Your city or municipality may clean up trees that fall into the street. Check with your city or municipality to determine who’s responsible for removing a tree that falls into the street. If your city takes responsibility, it may only be for the portion that’s in the street. Any of the felled tree that’s left on your property will be your
4. You may have coverage even if a tree falls from your neighbor’s property.
When a fallen tree damages your property, your homeowners insurance may pitch in no
matter who owned the tree. Depending on the circumstances, your insurance carrier may
attempt to recoup some of the costs, including your deductible, from your neighbor’s
5. Your car insurance may cover damage to your vehicle from a fallen tree.
If a tree falls from your property onto your car, it’s your car insurance and not your
homeowners insurance that will likely help cover the cost of repairs. But, the tree doesn’t
have to be from your property.
Tips for Filing an Insurance Claim for a Fallen Tree
Take photos: Photos taken from many angles and vantage points help to establish the extent and cause of the damage. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
0 2212 September, 2018
The Importance of Understanding the Types of Commercial Insurance
Brought To You By Stonewall Insurance Agency:
Commercial insurance is one of the most important investments you can make when starting a new company. Good commercial insurance will protect your company from severe financial loss and can be the difference between going under and staying afloat in the case of damages or a lawsuit.
Commercial insurance is crucial for small businesses. It protects you from commonly experienced losses including property damage, theft, liability and employee injury. With adequate insurance, companies can more easily recover from these types of losses. Without it, you risk going out of business.
The three main types of commercial insurance are liability insurance, property insurance and workers’ compensation insurance. Liability insurance protects you from damages that your company inflicts on any third parties. Property insurance covers damages to property within your place of business, such as fire or flood damage. Workers’ compensation insurance protects you in case employees are injured on the job.
It’s best to work with an insurance agent who has extensive experience in commercial coverage. The agent will discuss specific losses that are common within your industry and present a proposal for coverage options based on your business.
If a claim arises, contact your insurance agent immediately so that it can be investigated as soon as possible. Commercial claims are more complex than individual claims, so fast assessment is crucial, especially in high-cost liability claims.
Make sure that you’re knowledgeable about the types of commercial insurance available to you. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
0 1510 September, 2018
Everything you need to do to keep your home and yard in tip-top shape this summer.
Presented by: Stonewall Insurance Agency
Check detectors. Check your home's smoke and carbon monoxide detectors to make sure they're working properly.
Inspect air-conditioners. If you haven't already, prep air conditioners and fans for their busiest season:
• Install window air-conditioning units. Remove and clean the filters before firing up the AC. If you have central air-conditioning, consider a professional servicing.
• Clean all ceiling fans and other fans with a damp rag. If you have high ceilings, a ceiling-fan duster can help you de-grime hard-to-reach blades.
Give your grill a deep cleaning with these simple steps: • For gas grills, turn the heat up to high and let the grill cook with the lid closed for about half an hour. Allow the grill to cool and then brush it off with a grill brush. Wipe down the exterior with a damp sponge and a gentle cleanser. Clean the grill's drip pans.
• For charcoal grills, completely empty the grill and wipe out any ashy residue. Then clean it inside and out with hot water, a scrubby sponge and some liquid dishwashing soap. Let the grill dry completely before using it again.
Wash your windows
. Add a layer of mulch to keep weeds down and help the ground retain its moisture in the heat. It'll give your plants a chance to grow.
Pinhole leaks in hoses can be covered up by winding regular electrical tape around the (dry) hose in overlapping layers.
Stop dirt at the door. Keep summer's mud and muck outside with not one, but two doormats at your main entry door. Place a coarse mat at the exterior and a softer, cloth one on the interior to catch the most dirt. Better still, instruct family members to remove their shoes upon entering. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
The Importance of Insurance
Presented by Stonewall Insurance Agency;
Insurance can be confusing and it’s hard to know what you really need or want. But here are five very good reasons why you need life insurance.
As we grow older, get married, build families and start businesses, we come to realize more and more that life insurance is a fundamental part of having a sound financial plan.
To Protect Your Family and Loved Ones
If your loved ones depend on your financial support for their livelihood, then life insurance is a must, because it replaces your income when you die.
To Leave an Inheritance
Even if you don’t have any other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.
To Pay Off Debts and Other Expenses
In addition to providing income to cover everyday living expenses, your family needs insurance to cover any outstanding debts, like the mortgage, credit cards and car loans.
To Add More Financial Security
Like most parents you probably want to know your kids will be well taken care of when you’re gone. . For this reason, additional coverage is absolutely essential while your kids are still at home.
To Bring Peace of Mind
We can’t know when we’ll pass away. It could be today, tomorrow or 50 years from now, but it will happen eventually. No amount of money could ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life. Without a doubt, having life insurance coverage will bring you and your family peace of mind. Life insurance protects your heirs from the unknown and helps them through an otherwise difficult time of loss. #Stonewall#StonewallInsurance#StonewallInsuranceagency#AtlantaInsurance#Insuranceatlanta#autoinsurance#homeownersinsurance#commercialinsurance#Lifeinsurance#blackowned#girlboss#ladyboss#womeninbiz
If you're involved in a car accident, it's important you maintain appropriate communication with your insurance company. The following are some "do's and don'ts" to remember throughout the insurance claims process.
DO call your agent as soon as an accident or injury takes place.
DO review and understand your coverage before talking to your insurer or your agent.
DO take and keep detailed notes of all conversations with insurance company representatives, and get names, phone numbers, and job titles of people you speak with, including their supervisor's name.
DO consider whether you might have insurance coverage under some other insurance policy as well. Many people have more than one policy that might cover a claim. In particular, look at homeowner policies, "umbrella" policies, and materials that came with your credit cards.
DO take pictures, if possible, of damage to your vehicle, the accident scene, and your injuries.
DO be honest and forthcoming with your insurer. Failing to be candid with your insurer might invalidate your policy or cause a denial of coverage.
DO understand the difference between replacement coverage and depreciated or actual cash value.
DON'T give any recorded or written statements to your insurer until you are sure you understand your coverage.
DON'T automatically accept the estimate or appraisal of your losses given to you by the insurer.
DON'T accept any check that says "final payment" unless you are ready to do so.
DON'T ignore time limits set by your policy. Most policies require a signed proof of loss within a certain time limit. Be sure you comply with this requirement unless you obtain a written waiver from your insurance company.
DON'T forget that you have a contract with your insurer. Your insurer has a legal obligation to provide the coverage it promised to you. #autoinsurance#stonewallinsurance#insuranceatlanta#insurance#caraccident
Here are 10 things you absolutely need to know about life insurance:
1. If anyone relies on you financially, you need life insurance. It’s virtually obligatory if you are a spouse or the parent of dependent children.
2. Life insurance does not simply apply a monetary value to someone’s life. Instead, it helps compensate for the inevitable financial consequences that accompany the loss of life.
3. Life insurance is a contract (called a policy). A policy is a contract between a life insurance company and someone (or occasionally something, like a trust) who has a financial interest in the life and livelihood of someone else.
4. There are four primary players, or roles, in a life insurance policy. These roles belong to the insurer, the owner, the insured and the beneficiary.
5. Life insurance is a risk management tool, not an investment. While some life insurance policies have an investment feature that can offer a degree of tax privilege, insurance is rarely an optimal investment.
6. There are two broad varieties of life insurance about which you should become aware—term and permanent.
7. Life insurance can be extremely expensive, but it can also be surprisingly inexpensive.
8. Determining the optimal life insurance policy for you doesn’t have to be complicated. While we could get really granular with a detailed life insurance needs analysis, it’s more important to get set up with something you can comprehend than it is to push off an important decision due to life insurance’s intimidating complexity.
9. Consider using a live person to help in your death planning.
10. Know your options when cancelling an existing life insurance policy so you don’t leave money, or coverage, on the table. #insurance#insuranceatlanta#stonewallinsurance#lifeinsurance
0 430 May, 2017
So what the heck is a home warranty, anyway? In a nutshell, it's a policy you pay for that covers the cost of repairing many of your home appliances if they break down. Many people buy a home warranty right when they close on a home, since such protections can provide some much-needed peace of mind that you won't get hit with unexpected expenses soon after moving in. Don't mistake a home warranty for homeowner’s insurance, which covers your home's structure and belongings in the event of a fire, storm, flood, or other accident. A home warranty generally covers electrical systems, plumbing systems, heating and cooling systems, washer and dryer, and kitchen appliances such as the oven, range, and garbage disposal. While home buyers are often required to get homeowners insurance along with their mortgage, home warranties are a fully optional purchase. The best deals can often be snagged if purchased at the same time you buy the home. Typically, they aren't necessary with new homes, since most of the appliances are already covered under manufacturers' warranties. But in general, the older your home, the greater the odds are that something's bound to break, and the wiser it is to get a home warranty. If something covered under your home warranty breaks, you just call your provider and it will connect you with a qualified contractor in your area. One thing to remember is that a home warranty does not mean you're off scot-free; typically you'll have to pay for a service call or a certain amount of the bill up to your deductible first. #insurance#insuranceatlanta#stonewall#stonewallinsurance#homeowners#homeownersinsurance#homewarranty
0 231 May, 2017
What is 'Homeowners Insurance?
Homeowners insurance is a form of property insurance designed to protect an individual's home against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.
While homeowners insurance covers most scenarios where loss could occur, some events are typically excluded from policies, namely: earthquakes, floods or other "acts of God" and acts of war.For people who live in certain parts of the country, adding an extra policy for earthquake insurance or flood insurance can be a good idea to offer further home protection. #stonewallinsurance#insurance#insuranceatlanta#homeowners#homeownersinsurance
0 21 June, 2017
Taking a defensive driving class can save you money on your car insurance rate, and it can make you safer driver.
The classes give you a refresher course in the driving laws in your state, and teach you driving skills to better handle skids, pass other cars safely, use anti-lock brakes properly and more.
To get a car insurance discount, the course must be approved by the state and accepted by your insurance company. Many states and insurers accept online classes; others don't. Many auto insurance companies reward you with lower premiums after you take a defensive driving course, but not everyone qualifies. However, taking defensive driving classes can pay off at any age if you have violations. Some states reduce or expunge points from your driving record. Courses that reduce points are the most expensive. You can check with your state's department of motor vehicles for a list of point-reduction classes. Once you've completed the course, your car insurance company will require proof you took the class, which usually involves sending in a certificate. Once you've received your discount, don't forget to put what you've learned into practice. #stonewallinsurance#insuranceagent#insurance#insuranceatlanta#autoinsurance#defensivedriving
0 32 June, 2017
What is a high-risk driver? The term high risk can be used in different ways. Sometimes it refers to one driver being a higher risk than another.
Five of the most common ways to NOT get the very best rate include:
1.Not having the Best Insurance Credit Score. Insurance companies have tied credit scores with the probability of a claim. So, if you do not get the very best credit score, you are considered a higher risk than someone with the best score.
2. Having a Traffic Violation or At Fault Accident. Even one traffic violation puts you at a higher risk than someone with none. It can be frustrating when you have gone years and years with no tickets to get a surcharge for one small lapse in judgment. The same goes for at fault accidents. Filing a claim is a way to become considered high risk.
3. Being a Teen Driver. It is true, young drivers do not have to do anything wrong to be considered a higher risk than a seasoned driver. Their age alone instantly puts them in a high-risk price range.
4. Not Owning a Home. Insurance companies like stability and owning a home is a large part of the stability factor.
5. No Prior insurance. Driving without insurance is against the law. Driving a vehicle is so common in our daily lives, insurance companies have good reason to believe you drove at some point in time without insurance. Without proof of at least six months of continuous insurance, you are considered a high-risk driver. #insurance#insuranceatlanta#stonewallinsurance#autoinsurance#highrisk
0 35 June, 2017
This product uses the Instagram API but is not endorsed or certified by Instagram. All Instagram™ logos and trademarks displayed on this application are property of Instagram