Changed Vehicles? It’s Time to Update Your Auto Insurance

If you’ve recently purchased a new vehicle in the Braselton, GA, area, Bingham Insurance Group can help you update your auto insurance policy. Whether you’re looking for a brand new policy or want to change the one you already have, we’ve got you covered. Our dedicated agents understand that you need a quality policy with coverage you can rely on. We can provide you with quotes from multiple insurers so you can feel confident that you have the best policy for your needs.

Whether you’ve added a vehicle to your household or traded yours in on a new one, it’s essential to ensure you have proper protection for your car and its people. Depending on the vehicle you want to add, there may be a better policy option for great coverage that fits your needs. That’s why working with trusted agents and comparing policies is so important. What’s great for one type of vehicle might not be as good of an option for a different one.

Instead of swapping out one vehicle for another on your current policy, let us compare some different insurers and provide quotes and information. You might find that you can get better coverage for your specific situation through a different insurer than you have now, and we can help you do that. We want to make your insurance experience the best one possible.

Contact us at Bingham Insurance Group today if you’re in the Braselton, GA area. We’ll be happy to help with your auto insurance needs. Then, you can have peace of mind, knowing you have the right insurance for all the adventures in your new vehicle.

How Much Auto Liability Coverage is Enough?

Georgia is an at-fault state for auto insurance purposes and requires all drivers to carry at least minimum levels of bodily injury and property damage liability insurance. While the state establishes basic requirements, it does not suggest how much liability insurance policyholders should carry so we will offer suggestions in this article. If you want to discuss how much liability insurance you should have, contact our Bingham Insurance Group team serving the Braselton, GA, area.

Determining Auto Insurance Liability Levels

Drivers at fault in Georgia may be required to pay the accident victims for their injuries and property damages. The state mandates that drivers carry (25/50/25) minimum levels of liability insurance or:

  • Bodily Injury Liability: $25,000 per person and $50,000 per incident
  • Property Damage Liability: $25,000 per incident

Although we call them minimum policy limits, they are the maximum amounts insurers will pay on a claim. If the value of a claim exceeds those maximums, the driver is responsible for the remaining amount, potentially putting their savings, home, and other assets at risk. 

Some recommend protecting a policyholder’s assets by setting limits based on the driver’s net worth or historical damages awarded in the state. Another common approach is to increase the auto liability limits to, for example, 250/500/100. In addition, adding umbrella coverage extends the liability coverage on auto and home policies and provides additional coverage for other types of lawsuits. Overall, umbrella coverage is a relatively inexpensive way to protect your assets against potentially harmful events.

Working With The Bingham Insurance Group

Our team at Bingham Insurance Group serves the Braselton, GA area, and will happily answer your insurance questions and prepare a policy to meet your needs. Call or stop in to see us today.

Will liability insurance cover my injuries from a car wreck?

Liability insurance helps cover medical and legal fees if you’re held responsible for someone else’s injury or damage to someone else’s property. Every state requires that drivers have some auto insurance.

All drivers are legally required to carry auto liability insurance to drive. However, some circumstances may require drivers to have more than the state-required liability coverage. Our Bingham Insurance Group is committed to helping Braselton, GA residents understand auto insurance requirements.

What is Liability Insurance?

Liability insurance covers property damage and injury to others if you’re found at fault for an accident. It doesn’t provide protection or coverage for any personal property or physical damage you may sustain due to an accident you caused. 

Georgia requires all drivers to carry the minimum liability coverage limits. These limits include $25,000 per accident for property damage and $25,000 per person for bodily injuries. Liability coverage also includes $50,000 per incident for bodily injury coverage. 

Will Liability Insurance Cover My Injuries from a Car Wreck?

No. Liability insurance will only provide coverage for other people’s injuries and property damage. You must purchase auto insurance to cover your injuries and vehicle/property. Liability insurance is a requirement for drivers in every state. However, it will only cover the property and personal injuries that other people sustain due to an accident where you’re at fault. Call us if you have more questions about auto liability insurance and what it covers. We’d be happy to answer all of your questions. 

How to prepare your car for winter

With the winter season quickly approaching, it is important to make sure your car is prepared for the cold and icy conditions that come with it in the Braselton, GA area. It’s easy to forget about these essential maintenance tasks until an unexpected problem arises, so now is the time to get your car ready for winter.

Here are a few tips for properly preparing your vehicle for cold weather. By following these simple steps from us at the Bingham Insurance Group, you can ensure that your car can handle whatever Mother Nature throws at it this winter. So let’s get started!

First, check the fluids in your car – from brake fluid and oil to antifreeze and windshield washer solvent. You’ll want to ensure all of these fluids are topped off and that none is at a dangerously low level. It’s also essential to make sure the fuel tank is regularly filled up so you don’t end up stranded in the cold with an empty tank.

Next, check your battery and tire pressure. Cold temperatures can drain car batteries faster than usual, so ensuring your battery hasn’t lost its charge is important. The same goes for tires; they must be adequately inflated to provide enough traction on icy roads. Make sure you have a good-quality set of winter tires if you live in an area where snow and ice are common during the winter months.

Finally, don’t forget about your windshield wipers! They won’t be able to do their job if they’re not in good condition, so make sure you’ve replaced them if necessary.

For more winter driving tips, call us at the Bingham Insurance Group today. We proudly serve the Braselton, GA area. 

Why basic auto insurance may not be the right choice

Basic auto insurance is the amount that the state mandates that you carry. It isn’t necessarily the right choice for you. At Bingham Insurance Group in Braselton, GA, we take our job of providing our customers with the best coverage at the best price very seriously. We do the work for you of searching for the best coverage. 

Basic auto insurance is strictly liability coverage in the state of Georgia. It is 25/50/25. That means that if anyone is injured in an auto accident that you are responsible for, you must cover injuries for at least $25,000 for the first person and $50,000 for multiple people. Another $25,000 is to cover property damage. Given the cost of medical care and vehicles, this is a basic amount, and if you have assets, you may want to consider a higher amount. 

Basic auto insurance is not for you if you are paying on an auto loan or are leasing your vehicle. You don’t own the vehicle, so you need to cover that value for the lender or the lessor. You must protect the car.

Collision coverage pays for repairs to your vehicle if you cause an accident. It has a deductible, but minus that, it covers repairs or replacement of your vehicle. 

Comprehensive insurance protects you from many other things that can endanger your vehicle, including theft and vandalism. It also protects against natural disasters like tornados or floods. Comprehensive coverage pays for damage after the deductible is met if a deer runs in front of or into your vehicle. 

If your vehicle is brand new, you may also want to have gap coverage, so you don’t owe money after getting paid for it. 

Contact Bingham Insurance Group in Braselton, GA for all your auto insurance needs. 

Does my auto insurance cover the trailer I am hauling?

Does my auto insurance cover the trailer I am hauling?

In Georgia, the automotive insurance laws group trailers into two categories – the kind you drive and the kind you tow. You must purchase RV insurance, also known as trailer insurance, for your RV, but you might be able to get away with just your auto insurance if you use a towable trailer. Bingham Insurance Group serving Braselton, GA wants you to understand the difference so you don’t get caught without coverage.

RV vs. Towable Trailer

What’s the difference between an RV and a towable trailer? An RV falls into one of three categories:

  • Class A,
  • Class B,
  • Class C.

A towable trailer doesn’t have a class designation. Many types of trailers fall into the towable category, including those for:

  • Hauling horses,
  • Towing hay,
  • Hauling light equipment,
  • Transporting camping equipment.

So, for a towable trailer, your auto insurance covers it. You might want to add some coverage for liability and/or property damage since it can cause more damage than just your car or truck.

Your auto insurance will cover an open-air trailer in Georgia. If you own a pop-up camper, even though you might tow it, since you can sleep in it, it typically needs its own policy. That means you’ll need an RV policy.

RV Policy Minimums

Buying the minimum insurance for an RV doesn’t differ from buying a policy for your car or truck. The state of Georgia requires the same minimums for RV coverage as for auto coverage.

Contact Bingham Insurance Group serving Braselton, GA for more information on your RV and auto policies. You might already have coverage for your trailer. You might need added coverage for your trailer. Either way, our insurance agency can help.

How Does Standard Auto Insurance Work?

Driving is a dangerous activity that requires carrying auto insurance. In the state of Georgia, it is a law to have proper car insurance, and driving without it is a crime. If you have never had auto insurance before and want to know about it, Bingham Insurance Group serving clients in Braselton, GA decided to explain briefly how auto insurance works:

How Does Auto Insurance Work?

The purpose of auto insurance is to help a policyholder recover from damages, expenses, and injuries that are related to a car accident or any other incident. When you buy a certain auto insurance policy, there is a certain amount of money that you will have to pay before your insurance kicks in. This amount is called a deductible, and it can be different depending on the type of insurance you have. The rule is that the higher the deductible, the more you have to pay for your auto insurance. 

If an accident happens, you will have to pay your deductible first and then receive financial coverage or reimbursement up to your auto insurance policy limits. Each policy has its own limits, so it is better to talk to your insurance agent and discuss these details with them. 

Bingham Insurance Group in Braselton GA – Your Safety On The Road Is Our Priority

If you are a driver from Braselton, GA or any other nearby area in Georgia, Bingham Insurance Group is ready to help you find a perfect insurance policy addressing your individual needs and budget. Feel free to give us a call and talk to one of our experienced and qualified agents who will be always glad to answer your questions. 

Is Auto Insurance Required in Georgia?

If you are a driver in the state of Georgia, you need to make sure you have at least liability auto insurance in place because if you do not, you can face penalties.

A liability insurance policy only covers the other driver that you may become involved in an accident with and the other driver’s passengers. This type of policy will cover any injuries or property damage that you cause in an accident that is determined to be your fault and not the fault of the other driver. Along with this type of policy, you may want to obtain underinsured and uninsured auto insurance that will cover your vehicle and your injuries if you become involved in a crash with someone who did not follow the law and does not have at least liability insurance to cover damages to your vehicle and any injuries to you or your passengers.

The auto insurance agents at the Bingham Insurance Group in Braselton GA know and understand the auto insurance requirements of the state of Georgia and can help you obtain the correct policy. There are several other options when it comes to auto insurance that you may be interested in to protect the investment you have made in your vehicle.

Comprehensive Auto Insurance

If you borrowed the money to purchase your vehicle, you may be required to have comprehensive auto insurance. This type of auto insurance will cover any damages to your vehicle if you are involved in an accident, your vehicle is destroyed by a fire, vandalism, or a natural disaster, or it is stolen.

Collision Insurance

Collision insurance will pay for any damages that you cause in a collision with another vehicle or with some type of object, such as a garage door. For example, if you back into your neighbor’s garage door and cause damage to the door, collision insurance will pay for the damages to the door.

For assistance in determining what type of auto insurance policy is best for you and your situation, contact the agents at the Bingham Insurance Group in Braselton, GA to start your policy or receive a quote.

What type of auto insurance do I need in Georgia

In Georgia, unless you live in Atlanta, chances are you are going to need to drive a car. Braselton, GA is no exception. You need to drive to get to work, to go shopping, and just do the everyday things that are necessary. When you are driving an automobile, auto insurance is something that you need to consider. You may want to talk to a few different agents to find the best deal, but beyond just the best deal, finding an agent who is knowledgable about Georgia law as it pertains to automobiles is also important. At Bingham Insurance Group in Braselton, GA, we have the experience that you are looking for. 

In the state of Georgia as in most states in the union, motorists are required to carry liability insurance to protect other motorists. The mandated amount is 25/50/25. What that means is that you need $25,000 bodily injury coverage per person with a max of $50,000 for each accident and $25,000 for property damage. Given the cost of medical care in the US, you can see that this really is a very basic amount. 

Just because this is what you need to have for coverage it doesn’t mean it is what you should have. Expanding the amount of liability that you carry and adding collision and comprehensive coverage is something that is worth consideration.  Sitting down with an insurance professional is important and can help you determine the correct amount of coverage for your particular case. 

When you are ready to discuss your auto insurance needs the Bingham Insurance Group in Braselton, GA is here to give you the information that you need to make an educated decision. Use our online rating tool to get a free quote or you can give us a call or stop by our office. 


How much auto insurance is required in Georgia?

Your ride around Braselton, GA can get complicated rather quickly if you lack the auto insurance needed to protect you from financial loss in an accident. Call the agents of Bingham Insurance Group before you find yourself in a bind. Read on to learn about Georgia auto insurance requirements!

Georgia is not a “no-fault” state

The region does not recognize the notion of both parties paying equal amounts in an accident regardless of who is to blame. In Braselton, GA and throughout the state, the driver who is 50 percent to blame is responsible for paying for all bodily injuries and property damage caused by the incident. In addition, you cannot sue someone else involved in an accident if you are majorly to blame for the collision. You, therefore, may find yourself in financial turmoil if you are in an at-fault accident while uninsured.

Georgia minimum requirements

Drivers are required to have at least $25,000 of coverage for bodily injury per person and $50,000 for the same per accident. You must also have $25,000 worth of coverage for property damage per accident.

Of course, satisfying the minimum does not mean that you are immune from lawsuits. You may still find yourself the subject of a legal battle if the damages exceed your policy’s limits. It is for this reason that you should consider buying more than the state minimum requires.

The agents at Bingham Insurance Group can work with your preferences to determine the type of auto insurance plan that works for your life. They have been in the indemnity business for many years and can explain the ins and outs of auto assurance. Contact them today to get started with a quote!