The Metzger Agency Insurance Group

The Metzger Agency Insurance Group Insurance Agency - Life, Auto, Home, Business Insurance, Worker's Comp, Umbrella

09/01/2026

September is Life Insurance Awareness Month ✨ Don't wait until you need life insurance to start thinking about it. Protect your family, your future, and the people who matter most. Give Marie Metzger a call today and let's see what coverage may be right for you! 💖
678-734-9070 MarieAkua Metzger

As we wrap up this Uninsured Motorist series, here's the most important takeaway:Uninsured Motorist coverage isn't reall...
08/24/2026

As we wrap up this Uninsured Motorist series, here's the most important takeaway:

Uninsured Motorist coverage isn't really about protecting a vehicle—it's about protecting the people inside it.

One client was driving home from work when they were rear-ended by a driver who had no insurance at all. The accident led to months of medical treatment, time away from work, and a long recovery.

Fortunately, they had strong Uninsured Motorist coverage.

Instead of worrying about how to pay mounting medical bills or replace lost income, they were able to focus on healing. Their coverage stepped in when the at-fault driver couldn't.

The reality is that millions of drivers on the road are uninsured or underinsured. That's why this is one of the most valuable coverages on an auto policy—and one of the least understood.

If someone hasn't reviewed an auto policy in the last few years, ask them this simple question:

"If an uninsured driver hit you tomorrow, would you know if you're fully protected?"

If the answer is "I'm not sure," it's time for a conversation.

Because when life changes, insurance should too.

If you hear change, think Marie Metzger, your insurance specialist.

Many drivers proudly say they have "full coverage." But here's a question that often stops the conversation:Does that in...
08/20/2026

Many drivers proudly say they have "full coverage." But here's a question that often stops the conversation:

Does that include Add-On or Reduced Uninsured Motorist Coverage?

Most people have never heard of the difference.

One client was seriously injured after being hit by a driver who carried only $25,000 in liability coverage. Unfortunately, the medical bills, treatment, and recovery costs totaled nearly $75,000.

The difference? Their policy included Add-On Uninsured Motorist Coverage.

Instead of being limited by the other driver's insurance, their own coverage stepped in to help cover the remaining costs. Without Add-On coverage, thousands of dollars could have become their responsibility.

It's one of the smallest details in an auto policy, yet it can have one of the biggest impacts after an accident.

The next time someone mentions having "full coverage," ask this simple question:

"Do you know if your Uninsured Motorist coverage is Add-On or Reduced?"

A real situation came across the office this week that perfectly shows why understanding Uninsured Motorist coverage mat...
08/17/2026

A real situation came across the office this week that perfectly shows why understanding Uninsured Motorist coverage matters.

An attorney called to file an Uninsured Motorist claim for a client who had been rear-ended last October. One of the very first questions was:

"Do you have the signed Uninsured Motorist endorsement?"

Here's an important Georgia insurance fact that surprises many people:

If Uninsured Motorist coverage is written with the same limits as the liability coverage and is set up as Add-On Coverage, Georgia law does not require a separate signed rejection or selection form. In those situations, matching the liability limits with Add-On coverage provides the protection without an additional signature.

This is one of those details most drivers never think about—until they're involved in an accident.

That's why it's so important to have someone review not only whether Uninsured Motorist coverage exists, but how it's written. Small details in an insurance policy can make a significant difference when it's time to file a claim.

When life changes, insurance should too.

If you hear change, think Marie Metzger.

Most people know they have Uninsured Motorist Coverage...Very few know how much they actually have.That's where the real...
08/13/2026

Most people know they have Uninsured Motorist Coverage...

Very few know how much they actually have.

That's where the real difference can be made.

One client had just $25,000 in Uninsured Motorist coverage. It sounded like plenty—until we looked at today's medical costs. A trip to the emergency room, diagnostic imaging, physical therapy, and time away from work can quickly use up that amount.

Before anything happened, we increased the coverage to better match the rest of the policy.

A few months later, that decision proved invaluable when the client was hit by a driver with very little insurance. Instead of worrying about whether there would be enough coverage, the focus stayed where it belonged—on healing.

The amount of coverage matters just as much as having the coverage itself.

If a new car was purchased recently, or it's simply been a while since an auto policy was reviewed, this is a great time to make sure the protection still fits today's needs.

Because when life changes, insurance should too.

The other driver isn't always prepared... but that doesn't mean the financial burden should become yours.Even the safest...
08/10/2026

The other driver isn't always prepared... but that doesn't mean the financial burden should become yours.

Even the safest driver can't control who shares the road. Uninsured and Underinsured Motorist coverage can help protect against medical expenses, lost wages, and other costs when the at-fault driver doesn't have enough insurance—or none at all.

It's one of the most overlooked coverages on an auto policy, but it could be one of the most important.

Let's make sure every mile is protected.



If a new car was purchased recently, or it's simply been a while since an auto policy was reviewed, this is a great time to make sure the protection still fits today's needs.

Because when life changes, insurance should too.

Imagine driving home on an ordinary afternoon when, in an instant, you're caught in a three-car chain-reaction accident....
08/06/2026

Imagine driving home on an ordinary afternoon when, in an instant, you're caught in a three-car chain-reaction accident.

That was the reality for one of my clients earlier this year.

The driver who caused the crash admitted fault, but there was one major problem—they only carried Georgia's minimum liability limits. Those limits simply weren't enough to cover all the damages the accident created.

Thankfully, my client had Uninsured/Underinsured Motorist Coverage.

Instead of being limited by what the at-fault driver's insurance could pay, their own policy stepped in to help bridge the gap. What could have become a stressful financial burden became a reminder of why the right coverage matters.

Here's the truth: No one can control who is driving in the next lane or how much insurance they carry. But everyone can control how well they're protected before an accident ever happens.

Over the next few posts, I'll explain what Uninsured Motorist Coverage is, why the limits matter, the difference between Add-On and Reduced coverage, and how a few small decisions today can make a life-changing difference tomorrow.

Because when life changes, insurance should too.

If you hear change, think Marie Metzger, your insurance specialist.

08/03/2026

Have you looked at funeral costs lately? Most people are shocked when they learn how expensive final expenses have become.

Between funeral services, burial or cremation costs, transportation, flowers, and other arrangements, expenses can add up much faster than many families expect.

And unfortunately, those costs often arrive during one of the most emotionally difficult times in a family's life.

That's one of the reasons I believe life insurance is about so much more than a policy.

It's about helping protect loved ones from financial stress when they're already carrying enough emotional weight.

A little planning today can make a tremendous difference for the people who matter most tomorrow.

The goal isn't to focus on what might happen—it's to make sure a family is prepared if it does.

If it's been a while since reviewing coverage, let's talk about whether current protection is enough to meet today's realities.

Mr. Jackson did everything right. He drove responsibly. He carried auto insurance. He thought he was protected.Then anot...
07/29/2026

Mr. Jackson did everything right. He drove responsibly. He carried auto insurance. He thought he was protected.

Then another driver with no insurance changed everything.

Medical bills started piling up, time away from work meant lost income, and suddenly an accident that wasn't his fault became a financial burden. Thankfully, Mr. Jackson had Uninsured Motorist Coverage, and it stepped in when the at-fault driver's insurance couldn't.

Here's the truth: The biggest risk on the road isn't always how well someone drives—it's whether the other driver has enough insurance.

If a rear-end collision happened during tomorrow's commute, would an auto policy provide the protection needed?

Life changes. Roads change. Drivers change. Insurance should keep up.

If conversations turn to a new job, a longer commute, a teenage driver, or any other life change, think Marie Metzger. Helping families stay protected is what she does every day.

07/27/2026

Why work with a local insurance agent?

In a world of apps, websites, and 1-800 numbers, it can be tempting to think insurance is just a transaction.

I see it differently.

When life happens—a car accident, storm damage, a new teen driver, buying a home, welcoming a child, or planning for the future—it's comforting to know there's a real person who knows your name and understands your situation.

A local agent isn't just there when it's time to buy a policy.

We're here to answer questions, review coverage, explain options, and help make sure protection keeps up with life's changes.

Insurance shouldn't be about guessing whether coverage is enough.

It should be about having a trusted resource who can help navigate the important decisions along the way.

My goal has always been simple: help families and businesses protect what matters most with personal service and honest guidance.

If it's been a while since reviewing coverage, I'd love the opportunity to help make sure everything is still working for your needs.

Address

500 Bradley Drive
Fayetteville, GA
30214

Telephone

+16787349070

Website

Alerts

Be the first to know and let us send you an email when The Metzger Agency Insurance Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The Metzger Agency Insurance Group:

Shortcuts

Share

Category