Monthly Archives: October 2015

Good2Go Auto Insurance Atlanta

Atlanta is the capital of US State of Georgia, and also the most populous city in the state in 2013. When it comes to auto insurance, residents of Atlanta is governed by Georgias Office of Insurance and Safety Fire Commissioner.

The rules are basically similar to those of most states in the country, but Georgia has a Consumer Service Division which is part of Department of Insurance to settle. Any dispute between policyholders (the insured) and agents or insurers. The department will accept any complaint against insurers or agents and conduct investigations regarding the issues stated in the complaint.

Good2Go Auto Insurance, a subsidiary of American Independent Companies, is licensed to sell auto insurance in Atlanta. The company it will make sure that you get at least the minimum liability requirements to legally drive in the city.

State of Georgias Car Insurance Requirements

The minimum limit of liability as stated by Office of Insurance and Safety Fire Commissioner is as follows:

Bodily Injury Liability per person: $25,000
Bodily Injury Liability per occurrence: $50,000
Property Damage Liability: $25,000

Liability insurance will pay for damages or injuries suffered by another person in the event of an accident for which the insured is liable. The insurance company will pay the amount of up to the policys limit.

Property Damage coverage provides financial assistance for the insured; it pays for damages to the insureds properties up to the limit of the policy. It can be divided into two types including Comprehensive and Collision. The former is any damage caused by anything, except accidents. It covers plenty of insurance perils such as fire, vandalism, falling objects, and so on.

Collision coverage only covers damages caused by accidents. Although Atlanta or State of Georgia does not require you to have Comprehensive and Collision coverage, Good 2 Go Car Insurance offers both types of coverage for better protection on the road. Besides providing the minimum liability and property damage coverage, Good To Go Insurance also offers flexible payment options including monthly, quarterly, and annually.

In Atlanta, Georgia, you are not required to produce proof of insurance only because it cannot be accepted. Once you acquire your insurance policy, Good To Go Auto Car Insurance will report your insurance status to GEICS (Georgia Electronic Compliance System).

As a matter of fact, you will not be able to register your vehicle or renew registration without active insurance. Although you are not required to carry an insurance ID card, the data informed in the policy and card should be exactly the same.

Importance of Car Insurance

In simple words, vehicle insurance protects you from financial loss in case of an accident. Here it is important to understand that the financial implications of damage through the vehicle can be very high. The damage could be to another person or property or to self or to ones own car. You need to take vehicle insurance to be able to bear the cost of damages in case of an accident.
1.It fulfills the legal requirement It is mandatory by law to have the basic third party insurance on the vehicle to be able to drive it. To save yourself from any legal penalty, you should get the vehicle insured. Besides it is a symbol of being a responsible citizen.

2.It protects you from financial implications in case of damage to third party In case of an accident if you have damaged another property or have injured someone, you might have to pay damages that are beyond your means. It may become a liability for life. If you have insurance, your insurance company will bear the cost of damages to another property or vehicle or medical bills in case of an injury to another person.

3.It covers damages to your own vehicle or injury to self In case someone else hits you or your vehicle, you may have to still bear the cost of repair to your vehicle and the medical bills for your own injuries if the other person is not in a position to pay or is inadequately insured. These costs again could be quite overwhelming. Comprehensive car insurance covers your costs for own injury or vehicle damage.

4.It covers the car against damages during natural disasters or fire You might never meet an accident but a natural disaster like a storm or earthquake may strike and damage your vehicle grossly. Your vehicle may catch fire due to some internal problem or get damaged due to vandalism. Car insurance covers your vehicle against damages due to natural disasters, fire and vandalism.

5. It covers the vehicle in case of theft or total loss Your car might get stolen. It may get totally destroyed or be rendered unusable due to accident or act of nature. This absolute may cause substantial harm to your finances as well. Vehicle insurance covers total loss of vehicle due to theft or accident.

6.Added advantages Insurance companies have tie-ups with garages where you can get cashless claims. Many add-on covers are available like roadside assistance or loss of key cover that can be very useful in emergency situations other than accidents.

What to Look Out For In a Car Insurance Plan

While trying to select a car insurance policy its very important to understand what the car insurance entails. Understanding the jargon is very important – if you dont understand what the contract is saying then dont sign it. Make sure to ask the agent who is selling you the insurance what every little detail means, because otherwise youre probably getting into something that you know nothing about and thats never a good idea.

Know Your Choices

Before you decide which insurance plan you want to sign up for, you should know what types of insurance plans exist, such as third party car insurance, theft, fire and damages cover, comprehensive car insurance etc. Theres quite a bit of a difference between third party cover, and comprehensive coverage as well as between the many other plans so you should know about all the possible types of policy so that you can choose a plan that suits you the best.

Payment Options

You should know about the different payment options before subscribing to an insurance plan, which means that you should know if you want to pay monthly instalments or if you wish to pay annually, what kind of interest is charged on making late payments, what type of exemptions may be available if you pay beforehand or make bulk payments etc.

Limiting Factors

You need to understand what your limitations are in terms of your insurance plans, such as the mileage etc. When insurance companies inquire about the mileage of your car, its always a good idea to be honest when it comes to factors such as these as well as about other questions that the insurance companies pose because they may limit your insurance cover to certain factors and you will need to know about them.

Find Out What Ticks

You need to know how to lower the payments on your car; for example if you get a cheaper car you will have to pay a bit less. Avoiding modifications and getting extra driving qualifications will also ensure a lower payment on your car. Your age, marital status and whether you have kids or not are also contributing factors when it comes to knowing what kind of payments youll have to make towards your insurance plan. There will be some factors that you cant change but make an effort towards the ones you can to lower premium payments.

Figure Out Your Excess

An excess refers to the amount that you will have to pay if you make a claim. This essentially means that if you want to pay a lower premium then you may want to keep your excess high, but even though agents often lure people into paying a higher excess to reduce premium value its important you know what kind of excess you can afford to pay in case there is a claim. If youre a teen and you dont have enough monetary stability to assure a higher excess payment then dont go for it.

Citizens Auto Insurance Michigan

In United States, there are indeed several insurers that use the word “Citizens” for their companies names. One of the most popular among all of them is the Citizens Insurance Company of America. It is based in Michigan and a subsidiary of The Hanover Insurance Group, hence Citizens Auto Insurance Michigan. Although the companys headquarter in Howell, Michigan, it operates in many regions of the Midwest.

Basic Auto Coverage

The Michigan auto insurance is based on no-fault policy. That means your insurer will pay for all the necessary medical cost, rehabilitation expenses, and even provide reimbursement for lost wages in case you are incapacity to work due to road accidents for up to three years. The no-fault policy is considered as the most generous type of insurance policy because it provides payout regardless of who is at fault in the accident. The main purpose of such regulation is to prevent lawsuits being filed in the case of accident unless someone is severely injured or killed. It simplifies things.

Car insurance in Michigan is one of few that apply this no-fault regulation. Currently, there are only 12 states in the country providing the benefit. The official website of Citizens Auto Insurance Michigan does not provide information about this because all information about coverage, discounts, etc., is available at The Hanover Insurance Groups website.

The basic auto coverage liability requirement for drivers in Michigan includes PIP (personal Injury Protection), Property Damage, and Bodily Injury. Auto Citizens Insurance Michigan, however, does not limit your options to those basic policies. Optional coverage is available, but you may need to check for it at the official website of The Hanover Insurance Group. Among all options provides, the Connection Auto feature allows you to customize your coverage depending on what you need. This feature has some good options for example Roadside Assistance, Travel Right Endorsement, Rental Coverage Upgrade, Extended Non-Owned Auto Coverage, and more.

FSR and ICR

Based on last years report, Citizens Auto Insurance Michigan has been affirmed to have an “A” (Excellent) financial rating by A.M. Best, a reputable independent insurance reviewer. The rating was for the parent company, but it also applied to all of its subsidiaries. The FSR (Financial Strength Rating) and ICR (Issuer Credit Rating) of “A” have been confirmed to many of its subsidiaries including Citizens Insurance Michigan (Citizens Insurance Company of America).

Jessi Cruickshank Launches new T-Shirt at Me To We

A couple of weeks ago I had the please of meeting the former MTV host Jessi Cruickshank at The ME to We store. I was woken up from a nap by a friend who works for the non- profit organization, asking me If I would like to help out. I thought about it for a minute and decided that I am past the age where I need to “nap” anymore. I woke up, got ready and headed towards the store. I did arrive a bit later than everyone else,I looked around and spotted my friend waving at me. As I approached I realized that she was mid conversation with Jessi herself. I was taken back by how comfortable she made me feel. We talked about make up and lipsticks and then eased into her collaboration with Me To We.

Jessi spoke about her collaboration with the Free The Children and the impact it left on her. She wanted to do more and find different ways that she can help spread the word about the organizations.In my opinion, The T-Shirt idea is wonderful because it helps Jessi play a role in the fashion design, and give back to the community all at the same time. All the proceeds from sales go to Me to We and Free The Children. The T-Shirt itself speaks to wide range of audience because it is very fashionable and not just a popsicle mold/cookie cutter way of clothing that’s easily found on the market today. It is very up to date with the current fashion trends, and appealing to consumers. Another plus to creating an appealing T-Shirt with a hidden message is the fact that it attracts numerous people to converse about the issues the world faces today. People are not always looking to give donations or have the time to volunteer. I am a hard working student, and I ever had extra cash lying around, i’d want to treat myself. The T-Shirt attracts those looking to help and those who are simply interested in the fashion industry.

People are not looking at the T-Shirt thinking, this is for a charity, they are thinking, this a cute shirt that I can wear on a regular basis. It is a guilt free purchase, you know the product was not created in a lean manufacturing environment, it’s unique and appealing. In some way, it is a donation, where you get something in return.

It was a wonderful experience meeting Jessi Cruickshank, she was just as down to earth in real life as she seems on television.