Kyle Gruskowski - Manry Heston

09/11/2018

For anyone who is in the path of Hurricane Florence, today is the day you need to take your smartphone or video camera and go to each room of your home or storage building and record your property. Take photos of every room at every angle as well as open drawers. Save that video to the cloud or email it to yourself or your insurance agent to keep in the event of a loss during the storm. This will help you immensely in the event of a loss!

07/02/2018

As you may have heard, Georgia legislation has passed House Bill 673 which prohibits drivers from holding or supporting a wireless telecommunication device while operating a vehicle. The new law went into effect this past Sunday, July 1st, and authorities will start to issue driving violation tickets on this date. It is my understanding, despite some media outlets, that there will be NO grace period for this new law. I would suggest to start using your vehicles bluetooth capability if possible, and/or to purchase a cell phone mount for your vehicle. I have attached a link below that outlines the new law and describes what driver’s will be allowed, and not allowed, to do.

HB 673 prohibits drivers from holding or supporting a wireless telecommunication device or a stand-alone electronic device while operating a vehicle. Additionally, this measure would maintain the ban on texting, emailing and internet browsing while driving, but would also ban watching or recording v...

04/10/2018

As Georgia auto rates continue to rise, a new Distracted Driving Bill has been passed to help minimize auto accidents. What is illegal, and what is not?

https://www.myajc.com/news/state--regional-govt--politics/georgia-just-passed-distracted-driving-bill-what-legal-what-not/PZXchE0AqAi1H8r7X8XrZN/

01/30/2018

The minimum liability limits in the state of Georgia are 25/50/25. So what does that mean?

Car Insurance Liability Example:

If you cause a crash in which people are injured and the other vehicle is damaged or totaled, here is how your insurance would pay the costs if you have a 25/50/25 split limit policy:

Your liability insurance would pay up to $25,000 for any one injured person, including hospitalization, treatment and lost wages

It would pay up to $50,000 for all injury costs if multiple people have been injured

It would pay up to $25,000 for all property damage you cause

If the total costs of the accident amount to $100,000 for all injuries and lost wages, and $30,000 in property damage, the out-of-pocket costs you would be responsible to pay would be: $50,000 in bodily injury costs as well as $5,000 in property damage costs

Totaling $55,000 out of pocket.

Seek advice from an independent agent to make sure you are properly covered!

10/19/2017

Follow these steps on how to file a claim after suffering a loss to your home:

https://www.youtube.com/watch?v=x-6-c74wR-I&feature=youtu.be

09/05/2017

what determines the cost of auto insurance?

https://www.youtube.com/watch?v=Ytakkafrwps =share

07/26/2017

GA led the NATION in 2016 for increases in auto insurance rates. This is another great example that shows the importance of having an independent agent who can shop your coverages for you and find the best rates. Give me a call at 770-939-3231 for a free quote!

http://investigations.blog.ajc.com/2017/07/25/auto-insurance-which-georgia-companies-hiked-your-bill-the-most/?ecmp=socialflow_ajc

06/26/2017

How to Find the Best Condo Insurance Policy:

To make the most informed decision, be sure to compare several different policies. The coverage, deductible options and rates can vary greatly from insurer to insurer. Comparison shopping can sometimes be time consuming, however, getting guidance from a knowledgeable insurance professional could save you a lot of hassle.

Call me today for a free insurance quote (770)939-3231

06/01/2017

Independent insurance agents offer several important benefits:

1.Your local agent not only understands the factors that make up a quality car insurance policy, but knows the requirements in your state.
2.Independent agencies partner with multiple carriers to find the best personal auto insurance coverage for you at affordable rates.
3.Your agent will help you find car insurance tailored to your needs, not to a mathematical formula describing what the average driver should have.

04/27/2017

A recent study shows that 69% of home owners are under-insured. Here are a few key strategies you may want to consider to make sure you have adequate home insurance:
•Increase your liability insurance with an umbrella liability policy, which will provide liability coverage up to $1 million or more.
•Get replacement cost home insurance to cover what it would cost to replace your home and personal property, instead of “actual cash value” coverage, which will only cover the current depreciated value.

Give me a call today at (770)939-3231 for a free insurance review!

03/28/2017

What is the importance of a Personal Umbrella Policy?

If you cause an accident, the legal system makes a judgment that, between you and the injured person, you should be the one to shoulder the financial repercussions. The person who suffered damage is then entitled to collect what is owed by claiming insurance proceeds. If the money provided by the insurance company is inadequate, a claim may be made on your income, assets and savings.

Adequate liability insurance protects you from these financial consequences. Pain and suffering, lost wages, medical bills and property damage are some of the items you may be sued for that are covered by umbrella liability insurance.

03/10/2017

A recent study concluded that 69 percent of home owners are under-insured. Unfortunately, many home owners think they are fully protected and are stunned to find out at the time of loss that their coverage is inadequate.

Call me today for a free insurance review to make sure you are properly protected! (770) 939-3231