Blue Ridge

What Happens If I Go Past My Expected Miles?

Posted on by agentinsure

Most people calculate their expected mileage and report it to their policy provider without any issues. However, what happens if you accidentally exceed your anticipated mileage? What are the consequences if your calculations were incorrect and you overshoot your estimate? The expectations and reality of such a miscalculation can be vastly different. Let’s explore what happens if you surpass your anticipated miles. If you’re looking to change your policy or purchase your first one, we’re here to assist! Shop for car insurance with The Insurance Mart in Blue Ridge, GA.

How Do Insurance Providers React If You Exceed Your Estimated Miles?

The response to this question depends on how much you exceed your estimate. If you go slightly over your projected miles, the most your company will likely do is raise your premiums to cover the increased risk. However, more severe consequences could occur. For instance, if your mileage is significantly higher than you initially reported, your insurance could reject your claims, leaving you without the necessary coverage in the event of an accident. In the worst-case scenario, a provider may cancel your insurance entirely. The takeaway? Always ensure you’re requesting the right coverage by accurately calculating your regular mileage usage. If you do go a bit over, be transparent and report these changes immediately.

Find Quality Auto Insurance With The Insurance Mart

Are you in the market for auto insurance? Simplify the process with the support of the team here at The Insurance Mart in Blue Ridge, GA! We help you find auto policies by allowing you to compare them quickly and easily. Contact us today to get started!

Do Homeowners Need Additional Coverage for Hurricanes?

Posted on by agentinsure

As the country approaches the end of hurricane season, the east coast did not escape unscathed. Hurricane Matthew recently left a swatch of destruction from Haiti through the Bahamas, Florida, Georgia, and the Carolinas. Residents of Blue Ridge, GA need to make sure their homes are protected from natural disasters such as hurricanes. Do typical home insurance policies cover hurricane damage? Is there any additional protection that is needed? The Insurance Mart has the important answers below.

Hurricanes typically cause their damage in two different ways. The first of this is high winds. Hurricanes have sustained winds of at least 75 MPH and can reach wind speeds of 200 MPH. These winds are strong enough to completely rip a home off of its foundation and cause a total loss. Residents will be happy to know that most home insurance policies cover damage due to high winds. On the other hand, make sure that the policy completes covers wind damage and make sure the policy also covers personal belongings inside the home in addition to the structure. Hurricanes can sweep away items inside the home.                                                                                                                                                             Unfortunately, most home insurance policies do not cover damage due to water. Another element of hurricanes, storm surges can bring catastrophic flooding to homes in its path. These waters can sweep away homes or at the very least cause substantial damage to the structure and the items inside the home. Residents should look into purchasing additional flood insurance coverage to protect against the potential for major damage caused by floods. Furthermore, if the roof is ripped off of a home water has a second path into the home. Ensure that additional coverage is supplied for flood damage.

When it comes to the potential destruction a hurricane can bring, make sure the home is protected from all of the damage this storm can cause. Contact The Insurance Mart today for help protecting a home against hurricanes in Blue Ridge, GA.