Easy Ways To Update Your Insurance

Updating your insurance is something that has to be done. It is only as complicated as you make it out to be, so take the time to get organized. This way, you will have the coverage you need should anything unexpected happen in Ball Ground, GA.

Auto Insurance

With auto insurance, you want your policy number in hand as well as your VIN. It’s also a good opportunity to re-visit your coverage. Learn about what your liability limits are and see if you think it is sufficient for the next year. It may be a good idea to get quotes on higher levels so you can see how much more it would be.

Home Insurance

When you have home insurance, have your policy number ready. You should also have a list of any additions you have made to the home that could impact coverage. This will ensure that everything that you have is covered, including artwork, memorabilia, jewelry, your pool, and anything else. You should also explore discounts when you update your insurance and if you have a security system, this may be an easy discount to get.

Business Insurance

If you have business insurance and you want to update, grab your policy. Then look at how your business has grown. If you have vehicles (or more vehicles) or have a larger inventory, then you may want to increase overall coverage. Take the time to go over the options with your insurance agent so you can ensure you are protecting your business fully.

Ultimately, you want to explore coverage levels for all of your policies so you can minimize the chances for paying out of pocket or having a claim denied.

Call The Sanford Group today and one of our agents can help you with updating your insurance. We can help with quotes, comparing policies, and more.

 

I loaned my friend my car. What could go wrong?

You let your best friend borrow your clothes, your kitchenware, and even your suitcases when he or she is going on a trip. So why not let him or her borrow your car? After all, what could go wrong?

The problem with loaning your car to a friend comes about when your friend is an accident. In all 50 states, drivers are required to have some type of insurance or protection that will cover the expenses of the injured party if they cause an accident. Most insurance policies are tied to a specific car and driver, however. That means that your insurance policy most likely will not cover another driver.

This means that if your friend is in an accident while driving your car, there will be no insurance coverage for him or her. All of the expenses associated with the accident will legally be the responsibility of the uninsured driver. In many states, however, the injured party is allowed to try to recoup their expenses from the owner of the car. This means that you could be held liable for your friend’s actions.

Because of this, many people assume that they will be protected as long as they carry their own insurance. While this is true for some policies, it is not the case with most basic or minimal coverage auto insurance policies. Comprehensive policies can offer some protection in these situations, but it is next to impossible to know how much insurance your friend has before loaning him or her your car.

If you need to increase your insurance coverage to give you additional protection from other drivers, then call the people at The Sanford Group. They have a wide range of auto policies that can give you protection if you decide to loan out your car.