It’s always important to know how you are covered on auto insurance as you drive throughout Blue Ridge and the rest of Georgia. Hit and runs can be extremely expensive if you don’t have sufficient coverage.

If you look at your auto insurance policy, you are likely not going to find coverage that reads “hit and run.” However, you may have coverage that is going to provide various aspects of a hit and run.

If you simply have the minimum coverage required by the state, you may not have enough coverage. This means that you would likely pay out-of-pocket for medical bills, car repairs, and more.

Remember that with a hit-and-run, the other person is not there. This means that it can be difficult to establish fault. Further, they are not there to give over their insurance card, and therefore you want to have uninsured motorist coverage to help cover some of the expenses.

Collision coverage should also be a part of your policy. Regardless of fault, it can cover the repairs to your vehicle. You may already have this coverage on your policy, though it is important to confirm.

Other coverage that you will want to include within your policy includes personal injury protection, commonly referred to as PIP. This can cover medical bills, lost wages, and even childcare for you and anyone who may have been in the car during the hit-and-run. This will ensure that everyone is covered, as long as you pay the deductible and there are sufficient limits in place.

Contact us at The Insurance Mart today where we can help you get coverage for hit and runs and more. We’re happy to answer questions and guide you through the process of getting an affordable auto insurance policy in Blue Ridge.

 

 

Living in Blue Ridge, Georgia means knowing that there are various weather patterns throughout the year. During the fall, you want to prepare for the winter because it is going to get cold and you are likely going to experience both snow and ice on the roads.

Your battery is going to go through stress in the colder weather and you want to make sure that connections are clean, tight, and corrosion free. Your battery may not give you a warning sign before it fails, so if it has been a while since it has been replaced, it may be time to do so.

Your brakes should be checked during the fall as well. You don’t want to experience a problem of the brakes failing. Have the rotors and drums checked and the pads may need to be replaced.

The HVAC system in your car should be checked as well. You want to make sure that the defroster works properly to clear the windshield and the heating system should be in good condition so that you are comfortable when driving.

It is a good idea to replace wiper blades during the fall so that they are prepared for clearing ice and snow from the windshield.

Finally, you want to have your tires checked. This includes the tread depth to ensure there is enough traction as well as the tire pressure. Having a gauge handy can allow you to check the pressure on your own so that you know whether it needs air or not.

Our independent insurance agents at The Insurance Mart can help you to find an affordable insurance policy in Blue Ridge, Georgia. We work with some of the top insurance companies in the state and can make recommendations once we receive quotes on your behalf.