Baily Sandage 
Have you started conducting your annual fall maintenance tasks? Now that it’s November, it’s a good time to start checking off those items on your to-do list. Taking care of your lawn in the fall is important to avoid headaches come springtime. Also, your yard is an extension of your home; therefore, many homeowners enjoy relaxing and entertaining in these spaces.
In this post, we’ve compiled some of the most important fall lawn maintenance tips for Georgia homeowners.
You may not know this, but many liability-only and full coverage insurance plans don’t provide towing accommodations. Therefore, you’ll be responsible for covering the costs, even after an accident. However, if you’re not at fault for the crash, the other driver’s insurance will cover the damages to your car. Their insurance may cover towing expenses as well.
Luckily, most insurance providers offer some sort of towing coverage. However, like mentioned above, towing coverage isn’t typically included in regular plans, so you’ll need to ask for it. It’s fairly common to assume that you get towing coverage automatically, but that isn’t always the case.
In this article we will talk about how to get towing coverage with your car insurance provider.
In Georgia, car crashes have become a leading cause of fatalities on the road. In fact, vehicle-based accidents are the second-leading cause of hospitalizations in the state. With the increasing number of fatalities and injuries attributed to crashes, insurance providers have started raising rates for high-risk drivers.
High-risk drivers could possibly lose their policy in the long run. Reckless driving can include being at fault in a car crash, getting a speeding ticket, or having a lapse in coverage. You may have even received a DUI conviction. After such incidents, it might become difficult for you to find an affordable automobile policy to protect you on the road.
Let’s plunge into the discussion to find out what car insurance rates are for high-risk drivers 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.
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.
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.
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.
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.
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.
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.