What happens with car insurance if a friend borrows my car?

What if a friend borrows your car?

What if a friend borrows your car?

There may come a time when a good friend wishes to borrow your car. Maybe they’re a great friend and they’re a good, safe driver who’s responsible behind wheel. So, without too much hesitation, you decide to agree – your friend just needs a set of wheels for a little bit, and you trust them. You are, however, a little bit curious about the auto insurance situation. Will a friend who borrows your car be covered, and how? We’ll explain.

What happens if a friend borrows my car?

Typically, car insurance will follow the vehicle itself. And that means that your friend would be covered by your auto insurance if they’re borrowing your car. (For that reason, you’ll want to be careful when deciding who’s allowed to borrow your car!)

If your friend only needs to use your car from time to time, your friend likely is covered by your insurance. However, insurance rates aren’t only about your car – they’re also about the primary driver of the vehicle. So, should your friend start driving your car a lot or more than you do, you may want to add them to your policy – that can help you avoid headaches down the, err, road – pun intended.

At any rate, be careful who you lend your car to! You want to lend your vehicle to people who will treat it as if it were their own – ideally, even better than their own.

What if you borrow your friend’s car?

But then there’s the reverse situation – what if you borrow a car from your friend? Well, hopefully, all goes well and you return the car to your friend without a scratch on it. That would probably be best for all involved!

Unfortunately, sometimes things don’t go according to your plans. You might have every intention of returning the vehicle in good condition, and maybe even with a full tank of gas, but what if that plan is rudely thrown off-course?

So here’s a situation – what if you borrow a friend’s car, but you get into an accident? What happens? Well, their insurance would most likely kick in first. (Basically, it’s the reverse of what happened in the previous hypothetical we described where a friend borrowed your car.) So, it might be an awkward conversation with your friend, but yes – it’s likely that they’re going to see their insurance step up first. But – yes, there’s a but – if they don’t have high limits of insurance and the accident exhausts them, your insurance could be up next. Just something to keep in mind before you roll down the street in the borrowed vehicle.

So, in summary, if your friend borrows your car, your car insurance likely follows the car. (So, think hard before handing over your keys to someone!) And to reverse the situation, if you borrow a friend’s car and then get into an accident, their insurance will likely be up first to cover it. If their limits are exhausted, your insurance might step in next. So be prepared for that and maybe have a conversation before any cars are borrowed and driven away.

Speaking of insurance, you can get car insurance quotes by filling out our online form, giving us a call, or messaging us. Our insurance experts would be happy to help with your insurance needs.

How to improve safety at your auto shop

Auto shop safety

Auto shop safety

If you have an auto shop, it’s important to make safety a priority. Auto body shops aren’t devoid of hazards, and these things can hurt your customers or your employees. You need to be conscious of the risks of your shop so you can take steps to mitigate them. That being said, here are a few tips to help you lower the risk of something happening to either one of your employees or one of your customers.

Read moreHow to improve safety at your auto shop

Trampoline safety for homeowners

Trampoline safety

Trampoline safety

Kids love trampolines – the joy of bouncing up and down over and over is just unbeatable. There’s a lot of smiles and laughter involved, and many kids simply consider “trampoline” to be a synonym for “fun”. But, unfortunately, like a lot of things that are fun, trampolines come with a significant amount of risk. Whether your kids are begging you to get one for the backyard or you’ve already got one at your house, it’s important that you understand why trampolines are such a risk – and how to make safety key.

Read moreTrampoline safety for homeowners

How to get Atlanta Nationwide car insurance

Atlanta Nationwide car insurance

Atlanta Nationwide car insurance

Your car is one of your most valuable possessions, most likely, and you’re determined to protect it. You’re also determined to protect yourself financially in case you get into an accident. To make a long story short, you want to get car insurance. And you’re really after Nationwide car insurance, as you’ve heard a lot about the insurance company that’s on your side. But you’re wondering how to get Atlanta Nationwide auto insurance. We can help with that mission.

How to get Atlanta car insurance from Nationwide.

No matter where you live in the metro Atlanta area – Sandy Springs, Decatur, Kennesaw, Marietta, East Point, Roswell, or any other Atlanta suburb – we can help you get an auto insurance quote from Nationwide. That’s what we do! But how does it work, you ask? Here’s a step-by-step breakdown of the quote process.

1. Let us know you’re looking for Atlanta Nationwide car insurance.

The process starts when you reach out to us and tell us that you need a quote for Atlanta Nationwide car insurance. From there we can get you on your way to getting a policy that suits your needs.

We want to make the car insurance process as easy as possible, so we have a few ways you can contact us.

You can call us.

If you prefer to talk over the phone, all you have to do is give us a call. We’d be happy to discuss your insurance needs by phone – we know sometimes it’s easier to just talk on the phone instead of playing email tag.

You can fill out our online form.

You can also reach out to us with our online form. The form just allows us to gather some information that we need to get your car insurance quote from Nationwide. That way we’re prepared to get right to it and quest for that quote!

LiveChat.

You might not want to talk on the phone or use an online form. Maybe LiveChat messages are more your speed. That’s fine – one of our insurance agents can message back and forth with you if that’s most convenient.

Email/Text.

If your preference is to talk via email or text, we can do that, too. Just tell us that email or text is most convenient for you and we’ll be happy to oblige. Sometimes you have to handle insurance matters on the go!

Life gets busy, and as we want to make insurance easy, we want to communicate through whatever channel is most convenient for you. Don’t be shy about letting us know that you need to email or text.

2. You’ll talk with one of our agents.

The next step is having a quick chat with one of our agents. They’ll have a few questions for you so they can get to know you and understand your situation. We treat each client as an individual with unique insurance needs. At any rate, our agent will talk with you by phone, email, text, or chat to get the information they’ll need to get your Atlanta car insurance quote from Nationwide.

3. We’ll get your quote.

The next thing that happens is that we’ll get your Atlanta Nationwide auto insurance quote – the moment you’ve been waiting for! We’ll take the information you gave us and retrieve that quote for you.

4. We’ll present the quote to you.

Insurance can feel overwhelming, so we won’t just throw the quote at you and leave you hanging. We’ll explain the details of the quote and take the time to answer any questions you might have. This is a serious thing, and we want you to feel comfortable with your car insurance policy and like you’ve got a handle on your coverage.

5. Our team is here for you.

Once you’ve got your Atlanta Nationwide car insurance squared away, we’re not going to vanish into radio silence. If you think of any questions or you need to make adjustments to your coverage, just let us know. We’re here to troubleshoot any insurance requests or issues that come up down the line. Leaving people high and dry isn’t really our style.

And that’s how you get Nationwide auto insurance quotes in Atlanta. You might be in Alpharetta, or maybe Peachtree Corners. Perhaps you live in Milton, or perhaps you’re looking for Nationwide car insurance in Douglasville. You might be a long-time Atlanta dweller or maybe you’re moving to Atlanta. Wherever you are in the Atlanta area, we can help you with Nationwide auto insurance. We’re just a phone call, quote form, or LiveChat away.

How to get Atlanta landscaper insurance

How to get landscaper insurance

How to get landscaper insurance

If you have an Atlanta landscaping business, you’re probably pretty busy. You might not have too much time to spend fussing over landscaper insurance. And you might wonder what the most efficient way is to go about getting landscaper insurance. How can business owners make sure they get the right coverage to protect their business? We’ll explain how to get landscaper insurance.

How to get landscaper insurance.

1. Know the coverages you need.

Before you venture into getting insurance quotes, you might want to review the coverage you need for your business. There are many types of insurance that you’ll want to consider for your landscaping business. Here are a few:

General liability – GL insurance can protect you against claims that your business caused someone bodily injury or property damage. It can help you cover the costs you’re legally obligated to pay to the injured party, and it can help cover legal expenses if they sue.

Workers’ compWorkers’ comp can help your workers if they get hurt on the job. It can cover their medical bills and it can give them a portion of their lost wages if they need to take time off because they need to recover.

Commercial auto – Commercial auto insurance can help you if you have business vehicles to protect. There are different coverages you may need for your vehicles.

Umbrella insurance – This can provide additional coverage that goes above and beyond the limits on your underlying liability policy.

These might not be the only coverages you need. You may also want to consider…

  • Contractors Tools and Equipment
  • Employee Dishonesty
  • Goods in Transit
  • Installation Floater
  • Employment Practices Liability Insurance

At any rate, it’s a good idea to make sure that you have a customized insurance plan to protect your business from the risks you face. Each business ought to have its own insurance plan that’s set up to meet its coverage needs. We understand that the prospect of getting commercial insurance can seem daunting, but we like to keep the insurance process as easy as possible. There isn’t too much to it – we’ll explain.

2. Our quoting process.

1. You reach out to us.

First of all, you tell us that you’re in need of insurance for your landscaping business. If you like to talk on the phone, you can call us. If you want to fill out our quick form so we’ve got some details about your business, you can do that. And if you want to message us, that’s also fine! Whatever way you’d like to communicate is fine by us. (As we said, we want to make this as convenient as possible.)

2. One of our agents gets the necessary details.

One of our expert insurance superheroes will get the information necessary to get your insurance quotes. They’ll ask some questions so they can get to know your business and better understand the risks you face. We want to be able to get you the most accurate quotes possible and best assist you with your insurance.

3. We get your quotes.

The agent can then get to the heart of the fun – going shopping! We’ll help you get some quotes from the carriers we work with. We’re kind of like your personal shoppers – we’ll do your shopping for you!

4. We’ll present your quotes.

Next, we’ll go over your quotes with you and answer any questions you might have. We’ll explain the different options we have available for you and we’ll help finalize your coverage. Don’t worry – we’ll be here every step of the process.

5. We’re here to help.

Our job isn’t done yet, though – we won’t abandon you once your coverage is bound! Our team is always here to help. If you have any questions, concerns, or changes to your business, we’ll be here to help. We’ll make sure that your insurance still suits your business. If you’ve got any questions, we’re only an email or phone call away.

So, that’s how you can get started with getting landscaper insurance. Don’t worry about getting insurance – we strive to make insurance as stress-free as possible. Get started with quotes by filling out our online form.

18 business insurance words you should know

What business insurance words should you know?

What business insurance words should you know?If you’re a business owner, you know that there’s a lot to find out about commercial insurance. It can be overwhelming. At any rate, there are a lot of fancy words that can be confusing and technical. We’ve picked out some business insurance words that we’ll give quick, simple definitions for. (We put them in alphabetical order, because why not?)

Read more18 business insurance words you should know

How to get Progressive home insurance in Atlanta

Progressive home insurance in Atlanta

Progressive home insurance in Atlanta

You need to get home insurance to protect your house. So, you’re curious about Progressive home insurance in Atlanta – you’ll admit it, the clever commercials with the funny Flo got to you. So, you want to get a quote for Progressive home insurance, but you don’t want to go it alone. That’s where our team can help. We can help you get an Atlanta Progressive home insurance quote. Here’s how it works.

Read moreHow to get Progressive home insurance in Atlanta

How to get Nationwide home insurance in Atlanta

Get a quote for Nationwide home insurance

Get a quote for Nationwide home insurance

Your Atlanta home is probably your most valuable asset. And there’s probably a worry in the back of your mind as a homeowner – how would I recover financially if something happened to the house so I can provide for my family? The answer you give yourself might be home insurance – specifically Nationwide home insurance. (It’s okay to admit that the catchy “Nationwide is on your side” jingle got to you.) How do you get Nationwide home insurance in Atlanta? With the help of our team, it’s easy.

You want to get an Atlanta Nationwide home insurance quote, but how do you make that happen?

Whether you’re in Lawrenceville, Decatur, Alpharetta, Kennesaw, Duluth, or any of the other Atlanta suburbs, we can help you with your Nationwide home insurance. Here’s how the quoting process works:

1. Reach out to our team.

Our agency can help you get a quote for Nationwide homeowners insurance – all you have to do is let us know that you need one. We like to keep insurance simple and convenient, so we have different methods of contact.

You can…

Call us. You can give us a call to let us know that you’re interested in Nationwide Atlanta home insurance. We’re happy to talk over the phone if that’s best for you.

Use our online form. You can also use our online form to reach out to our team. (This allows us to gather some of the information we need from you quickly so that we’re ready to hit the ground running.)

LiveChat. If you’re the messaging sort, you can send us a message through LiveChat. One of our agents can chat with you to assist you with your insurance.

Email/Text. If email or text is the most convenient way for you to talk with us about Nationwide home insurance in the Atlanta area just let us know. We’re pretty tech-savvy, so we’re fine with email and text!

We know you’ve got a busy schedule, so choose whatever method of contact is easiest for you.

2. Chat with one of our agents.

One of our agents will have a few questions for you – they just need to gather the necessary information to secure your Atlanta home insurance quote from Nationwide. They’ll take the time to get to know you and your situation so that they can provide the best insurance assistance. Anyways, our agent will have a brief conversation (by phone, text, or email – whatever works!) to get the details they need.

3. We get your quote for Nationwide home insurance in Atlanta.

Then it’s quote time! We’ll take the information you kindly provided to us and get that Atlanta-area Nationwide quote. We’ll put everything together and come back with a number.

4. We’ll go over the quote with you.

We know that insurance can feel overwhelming, so we’ll go over the quote with you and answer any questions you have. We want you to feel like you truly have peace of mind, so hit us with your toughest questions, big or small. This is your insurance policy, so you should feel good about it.

5. We’re here to help.

Once you’ve got your policy, we’re not going to mysteriously vanish. We’ll be here to assist with any questions that may come up later, and we’ll be here to help address any changes that might need to be made. Insurance isn’t something you have to handle alone.

So, that’s the general idea of how you can get an Atlanta home insurance quote from Nationwide! Our team would be delighted to assist you with your insurance needs, no matter which of the Atlanta suburbs (Dunwoody, Sandy Springs, Smyrna, Marietta, Chamblee, East Point, and more) is home sweet home. Give us a call, message us, or use our quote form and you’ll be on your way.

What happens if a guest causes damage to your home?

What if a guest causes damage

What if a guest causes damage

So, having your own place is great. There’s a sense of pride in owning a home, and maybe you like having people over and welcoming them into your house. (Who doesn’t like showing off a little?) You might have friends over, or maybe you like hosting your extended family. Perhaps you like having house parties to celebrate holidays and such. Having people over is great, but sometimes accidents happen. A guest could accidentally cause damage to your house, and then what would happen?

Ideally, the situation would unfold like this:

Guest: I’m so sorry, I accidentally broke your house.

You: Hey, it was an accident! It’s okay.

Guest: I’ll pay for all the repairs, no worries! I want to make things right.

You: That’s great – I really appreciate it.

That would probably be the easiest possibility, if your guest takes responsibility and sets things right by coughing up the money for repairs. But things aren’t always that simple, and you might find yourself with a question – does home insurance cover damage from guests? We’ll explore this question and go over some considerations.

Does home insurance cover a guest causing damage?

The answer to the question is, generally, yes. So you could go through your home insurance. But the real question is whether this is the wisest course of action. You have to put some thought into it.

Here’s why:

The thing is that your guest is technically responsible for taking care of the damage they cause. They’re the one who’s supposed to cover the costs of the repair. They’re liable, and if they don’t agree to pay, you could have a case to take legal action. They are legally responsible for covering the costs you add up because of the damage. Of course, it’s hard to handle these situations if it’s a friend or family member who’s the one who caused the damage. You might recoil from the thought, but you’re not necessarily overstepping in requesting that your guest pay for the damage they caused.

(To complicate matters even more, you might be risking higher premiums if you use your home insurance – another reason that you might hesitate to file the claim through your home insurance.)

At any rate, it’s not an easy situation to deal with, we admit. All you can do is handle the situation as best you can.

Make sure to check your policy.

Of course, you really need to read your home insurance policy to see what’s covered and what’s not. Are there any exclusions that you need to know about? Does the policy only protect against guest-related damage to the structure of the dwelling (meaning the floor and walls)? And does the coverage only take care of accidental problems? So, that’s something to think about if you ever need to use your insurance. To put it simply, read your insurance policy carefully and ask questions when questions are needed.

When are you liable?

If a guest gets hurt on your property as a result of something dangerous that they weren’t given notice about, you could be liable for their injuries. So, just something to keep in mind! Be sure to check your homeowners insurance policy’s liability insurance. It can protect you from liability-related losses.

Anyways, let’s wrap up with a quick recap. Your home insurance could help you cover damage caused by your guests, but you may not want to use your insurance because it could lead to higher insurance rates. The guest is legally responsible for paying for the damage, too, so there’s that. If you’re inviting a particularly accident-prone friend to your house and you’re worried, check your home insurance policy and read it carefully.

Speaking of Atlanta home insurance, we can help you get the coverage you need to protect your house – our team is good at that! Get started with your insurance quotes by filling out our online form or giving us a call. You can also LiveChat with us to get started with some quotes.

Thanksgiving turkey deep fryer safety

Remember turkey fryer safety!

Remember turkey fryer safety!

Thanksgiving is almost here, and that means you’re probably looking forward to a home-cooked meal, featuring a turkey, of course. The turkey is the cornerstone of the Thanksgiving meal. Maybe you’re planning on deep-frying a bird for your dinner. The thing is that that Thanksgiving is already a huge day for house fires. And deep-frying a turkey substantially increases your risk for house fires. So, maybe there’s a better idea…but if you’re absolutely set on having a deep-fried turkey, here are a few tips.

Read moreThanksgiving turkey deep fryer safety