Do I Need to Winterize My Boat in Georgia?

Since the temperature has begun to fall, many boat owners are winterizing their boats. However, you may notice many boaters claiming that they don’t need to winterize their boats. Well, in some cases, they’re right. Many anglers can continue fishing without winterizing their boat. However, if you have a boat with an inboard engine, you’ll need to take a few precautionary measures.

This may lead to many questions such as “do I need to winterize my boat?” If you’re a boat owner living in Georgia, this article will answer your question.

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Georgia Ranks High in Deer Collisions

Georgia ranks high among states where deer collisions are increasing. In an examination by State Farm, it was found that Georgia motorists have a 1 in 83 chance of colliding with a deer. This risk increases more so during the fall and winter months due to deer season.

In this article we will discuss the recent rise in deer collisions and how you can be safe while driving.

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MercuryGO is Available for Georgia Drivers

Mercury Insurance recently announced that their drivers in Georgia can now use a usage-based insurance app called MercuryGO. The newly designed application incorporates plenty of tech-savvy features to help drivers improve their driving skills and overall safety on the road.

The app serves as a virtual driving coach and provides drivers with scores in the form of real-time feedback on how they drive.

The good news is you can get up to a 10 percent discount if you enroll for an auto insurance policy and use the app. As a MercuryGO user, you can get a 40 percent discount when you renew the policy. However, the discount amount depends on your driving score.

If you live in Georgia and have Mercury Insurance, here are the benefits of using MercuryGO.

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Do I Need Flood Insurance in Georgia?

flooding

In the US, Georgia is among the states that experiences the most flooding. The state has frequent thunderstorms, tornadoes, and tropical storms, which results in heavy rain during the year. In some cases, these severe climate conditions turn into flash floods, causing havoc in various parts of Georgia.

If you live in the state, you must know that your typical homeowners insurance doesn’t cover flood damage. That means you’ll need to purchase flood insurance as an additional coverage.

In this article we will discuss why you need flood insurance in Georgia, how much it typically costs, and when you should purchase it.

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How to File Workers’ Compensation in GA

worker injured on the job

If you’re injured on the job, you may incur outrageous medical bills that can cause financial strain. Luckily for you workers injured while on the job are eligible for benefits including rehabilitation support, medical benefits, and supplemental income through workers’ compensation. Your employer will be required to carry this insurance if they have 3 or more employees.

Therefore, learning how to file workers’ compensation is essential. Here are the steps on how to file a workers’ comp claim in Georgia.

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My Neighbors Tree Fell in My Yard, Who Pays for It?

tree fallen

Property damage is a very serious issue to deal with. When it comes to property insurance claims, fallen trees can be tricky to pin down. During bad storms it’s very common for trees to uproot and fall on people’s yards, cars, or houses. A common question we’re asked frequently is, “my neighbors tree fell in my yard, who pays for it?”. If the tree is healthy and fell due to an act of nature, it can be difficult to claim damages through your neighbor’s insurance.

In most cases, whatever happens to land on your property is now your responsibility. And even though there are some exceptions to these rules, unfortunately trees falling in your yard isn’t one of them. So, if a storm causes your neighbor’s tree to fall in your yard you would be responsible for it. You cannot file a claim and make them responsible for the damage and removal.

This also applies in reverse, as they cannot take any action against you if your tree falls in their yard. Of course, the main distinction here is cause and effect. If you can prove that the tree falling in your yard was diseased or due to the homeowner’s recklessness, then you may be able to make them pay for the damages. However, if that is not the case, you will have to contact your insurance provider and file a claim.

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Will My Homeowners Insurance Cover a Sinkhole?

When dealing with insurance, getting a concrete “yes or no” answer is often difficult. We say this because the insurance market offers various degrees of coverage. Moreover, each insurer, whether big or small, operates differently.

The same goes for sinkhole coverage in your homeowners insurance policy. While getting coverage for sinkholes on the property depends on the insurance company, you also need to take your state and city into account.

We say this because many homeowners invest in sinkhole insurance to ensure they’re covered. This especially applies to homeowners residing in regions that are notorious for sinkholes. Some of these places include Kentucky, Alabama, Pennsylvania, Texas, Florida, Tennessee, and Georgia.

Keep on reading to find out whether your homeowners insurance will cover a sinkhole and how you can protect your home.

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How Much Does It Cost to Drive in Georgia?

atlanta

The demand for used cars has increased tremendously over the past year. As a result, the cost of used vehicles have gone up 45 percent. That means if you’re a car buyer, you must keep in mind that vehicle ownership costs go beyond the listed price. However, this cost is not the same across the country. In fact, in many states, riders and motorists may have to spend thousands of dollars every year compared to others.

Let’s delve into the details to learn how much it costs to drive in Georgia.

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How a Hit-and-Run Can Affect Your Car Insurance Rates

Regardless of the state you live in, a hit-and-run is a serious matter. You might be charged with a crime or felony if a hit-and-run results in injury or death.  In states like Georgia, it’s a crime not to stop or return to provide your information, for instance. You might face the following penalties, depending on the severity of your infraction;

  • Property damage: Misdemeanor and a $300 to $1,000 fine per violation
  • Death: A felony charge including imprisonment of two to five years
  • Injury: A $300 to $1,000 fine and possible imprisonment for one year

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Why Are Auto Insurance Rates in Georgia Expensive?

If you live in Georgia, you’re probably aware that the state has significantly high rates for auto insurance. It’s because the state has accident-prone highways and routes with a considerably high percentage of car crashes.

Georgia insurance companies have the right to increase premiums without seeking approval from the insurance commissioner of the state. This is the reason auto insurance rates in Georgia are relatively higher than in other states.

You may have to pay around $1,660 annually for full insurance coverage or $690 for minimum coverage for your car in Georgia. The national average for full coverage is no more than $1,500 per year. As the insurance cost increases, the charges of premium insurance also go up.

Plus, insured drivers have to share rising insurance costs. This increases insurance rates whenever an insurer renews your policy, regardless of individual factors, such as location or driving record.

Here, we’ve listed some reasons explaining why auto insurance increases annually in Georgia.

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