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Custom Bikes, Gear, and More: How to Make Sure Your Motorcycle Insurance Covers It All

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Riding a motorcycle in warm weather and sunshine is an exhilarating experience that’s hard to beat. To make your riding time safer and more enjoyable, it’s essential to have the proper protection—and that includes more than just gear. Proper motorcycle insurance is a must. If you’re in the Braselton, GA area and looking for coverage, Bingham Insurance Group is here to help. Our agents can provide you with quotes to choose from, ensuring you get the best policy for your needs.

Protection for Your Specific Bike

From cruisers to sport bikes, motorcycles come in all types and sizes. No matter what kind of bike you own, there’s an insurance policy to protect it. Many riders enjoy customizing and modifying their bikes, and if you’ve made upgrades, it’s important to ensure your policy covers those changes. As you add new parts to your motorcycle, your insurance policy should evolve to provide coverage for replacement in the event of theft or an accident.

Don’t Forget to Include Your Gear

The gear you wear while riding—such as helmets, jackets, and gloves—can often be added to your insurance policy. This ensures that stolen or accident-damaged gear is covered along with your motorcycle. Whether you need an upgrade to your policy or a specific addendum for gear protection, our agents can help you adjust your coverage to meet your needs and goals.

Get in Touch With an Agent Today

If you’re in the Braselton, GA area and need motorcycle insurance, contact us at Bingham Insurance Group today. Our dedicated agents are ready to assist you with quotes, questions, and more, so you can enjoy peace of mind and a great policy while on the road.

Different Boat Insurance Terms to Familiarize Yourself With

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Boat ownership involves specific responsibilities, such as ensuring you have the appropriate insurance. If you’re new to boating or just exploring coverage options, you might encounter some unfamiliar terms. At Bingham Insurance Group in Braselton, GA, we believe understanding your policy is as important as having one. Let’s demystify some common boat insurance terms to help you confidently navigate.

Agreed Value vs. Actual Cash Value

One of the first distinctions in a boat insurance policy is whether it’s based on agreed or actual cash value. Agreed value means that you and your insurer agree on your boat’s worth when you purchase the policy, and that’s the amount you’ll receive if it’s declared a total loss. On the other hand, actual cash value factors in depreciation, so you may receive less if your boat is older or has experienced wear and tear.

Liability Coverage

Similar to auto insurance, liability coverage helps pay for damages or injuries you cause to others while operating your boat. It’s a vital part of your policy and ensures you’re not left covering the costs in the event of an accident.

Salvage and Wreck Removal

If your boat sinks or suffers severe damage, salvage and wreck removal coverage can help cover the cost of recovering or removing your vessel. While it might not be a frequent concern, it can be a financial lifesaver in the worst-case scenario.

Information about Boat Insurance in Georgia

Comprehending your coverage is the first step towards protecting your investment. At Bingham Insurance Group in Braselton, GA, we’re here to help you navigate the details and find the right boat insurance for your needs. Contact us today and let’s discuss your next adventure.

Does Umbrella Insurance Cover Theft?

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Umbrella insurance is designed to provide coverage when your other policies have reached their limits. It steps in to cover damages that other insurance policies, such as homeowners’ or auto insurance, can’t cover. In many instances, umbrella insurance is indispensable, such as in a defamation lawsuit. It’s crucial to understand what your insurance policy covers.

Theft Coverage

Umbrella insurance is unlikely to cover theft of your personal belongings. Its primary function is to cover lawsuits against you that your other insurance doesn’t cover. For instance, if someone is injured on your property and sues you, but your homeowners’ insurance doesn’t provide enough coverage, your umbrella insurance can step in to cover medical bills.

Standard Coverage

In Braselton, GA, umbrella insurance typically covers anything other policies don’t cover, such as when your homeowners and auto insurance reach their limits, but you still owe someone money for things like medical bills or damages. This insurance commonly covers legal fees and settlements in lawsuits against you.

Additional Coverage

Some insurance companies offer additional coverage or add-ons for things like identity theft. Renter’s insurance usually covers anything stolen inside your home. An add-on for your auto insurance will cover things stolen from your car. Speaking with an experienced customer service agent at Bingham Insurance Group is crucial to ensure you’re covered if you’re concerned about theft.

Do You Need Umbrella Insurance?

Many people can benefit from umbrella insurance. High net worth individuals are often victims of expensive lawsuits. The everyday person can be sued if someone slips on the sidewalk leading up to their house, leading to an expensive legal battle. Umbrella insurance helps protect your assets and provides you with a sense of security. Contact Bingham Insurance Group today to learn more about our policies. We’re currently serving the Braselton, GA area.

My House Was Flooded! Now What?

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Dealing with the Aftermath of a Flood

Experiencing a flood is a distressing situation. Even if you and your family manage to get to safety, dealing with the aftermath can be very stressful. However, if you know ahead of time what you need to deal with, things can feel a little less overwhelming. This can be a challenging, long road, but having a plan can make it more manageable. Remember, safety comes first! Don’t return to the flooded area until authorities say it’s safe. The electricity and gas should be shut off until it’s safe to resume. When you do go back, be cautious of any debris, contamination in the water, or mold.

What to Do Next

First, call FEMA. They may be able to provide immediate assistance. If you have flood insurance, contact your insurance agent next. Document everything with photos or video. Get detailed shots of all the damage. If something like flooring or carpeting is damaged, save a sample to show the adjuster. Keep records of all paperwork. Photograph it if it can’t be photocopied. When the adjuster shows up, ask for ID and be prepared to ask for partial payment or an advance if needed. All pertinent information on the property must be available. Get everything in writing. Communicate as much as you can with your adjuster through email. Do not start repairs without written approval from the adjuster. You have 60 days to sign and submit Proof of Loss. The sooner you do this, the better. You can clean up some of it yourself but don’t hesitate to hire a professional. Your insurance will likely cover this.

Bingham Insurance Group: Serving Braselton, GA

If you are in the Braselton, GA area, please consider Bingham Insurance Group for your flood insurance needs.

Why Should I Buy More Life Insurance Than I Receive Through My Job?

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A 2024 survey showed that 53% of American employees receive life insurance as part of their employee benefits packages. Others obtain free group life insurance through their unions, professional societies, or other organizations. These policies are generally beneficial, but few provide enough coverage to meet a family’s needs. If you have questions about life or other insurance, contact our Bingham Insurance Group team serving Braselton, GA.

Advantages of Employer-Provided Life Insurance

Employer-provided life insurance is helpful and should be welcomed by nearly everyone. The employee seldom pays for the base policy and can often pay for additional insurance through the same plan. Another significant benefit is that employees do not need to take a medical exam, which allows employees with pre-existing conditions to acquire life insurance they may not get independently. Employer-provided life insurance also takes minimal effort, often requiring only the completion of a form during the enrollment process.

Limits of Employer-Provided Life Insurance

Despite the benefits of employer-provided life insurance, it has its shortcomings:

  • Most families need more life insurance than the employer plan provides and often need much more life insurance.
  • Employees lose their life insurance when they leave an employer. While you may obtain life insurance from your new employer, coverage gaps may occur due to timing.
  • Employee benefit plans seldom offer sufficient life insurance for spouses or children.

Overall, employer-provided life insurance is a useful benefit that you should accept, but most employees need more consistent insurance than they receive in the workplace.

Working with Bingham Insurance Group

If you live in the Braselton, GA, area, and are considering life or other insurance, call the Bingham Insurance Group at (706) 684-0040. Our team will help you with policies that suit your family’s needs.

Collision Coverage: What It Is and Why You Need It

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An auto insurance policy includes various types of coverage, including collision coverage. This is a crucial type of coverage for every driver in their auto insurance. If you’re looking for auto insurance, we at Bingham Insurance Group in Braselton, GA, are here to assist you.

Understanding Collision Coverage

An auto insurance policy typically includes mandatory coverages such as property damage liability and bodily injury liability. These coverages pay for someone else’s damage bills when you’ve been in an accident with them. While these are essential, other types of coverage are equally beneficial. Collision coverage, for instance, pays for damages to your own vehicle. Without this coverage, you would have to pay out of pocket for any damage to your vehicle if you were at fault in an accident.

Collision and Comprehensive Coverage

Many people also choose comprehensive coverage when opting for collision coverage. This optional coverage helps in case of damage or other issues that occur while your car isn’t being driven. While collision coverage pays for your damage in an accident, comprehensive coverage pays for damage from a variety of risks when your car is parked. Combined with your liability coverage, these two types of coverage ensure you’re covered in all circumstances.

Securing Auto Insurance

Talk to us about your auto insurance needs to ensure you’re adequately covered. We’re here to help you get started. Contact us at Bingham Insurance Group in Braselton, GA.

Protect Your Family’s Future With Life Insurance

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One of the most effective ways to safeguard your family’s future is through a life insurance policy. If you reside in Braselton, GA, reaching out to us at Bingham Insurance Group can set you on the path to the proper coverage. Our dedicated agents will provide advice tailored to your unique situation, ensuring you get the best life policy to meet your specific needs and objectives.

Is Life Insurance Necessary for Everyone?

Most people derive value from a life insurance policy. If you have a family or loved ones you wish to provide for, a life insurance policy can offer them financial support after your demise. Even if you don’t have dependents, these policies can assist with final expenses and estate settlement upon your passing.

Understanding Whole Life Policies

A whole life policy remains valid as long as you pay your monthly premiums. Additionally, it offers the option to borrow against it while you’re still alive.

Deciphering Term Life Policies

A term life policy is valid for a predetermined term. It doesn’t offer the option to borrow against it, but it’s generally easier to acquire than a whole life policy. Regardless of the type of policy you choose, it’s advisable to review it with your agent annually to ensure it continues to meet your needs.

Reach Out to Us Today for Peace of Mind

Contact us today at Bingham Insurance Group if you’re in Braselton, GA, and seeking quality life insurance. We understand the importance of securing your family’s future. By collaborating with an agent, you can comprehend your options and select the policy that provides the level of protection your loved ones require.

What Auto Insurance Does Uber, Lyft, and Other Rideshare Drivers Need?

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When ridesharing companies became a multi-billion dollar business, insurance companies adapted to include them. Drivers transporting passengers using their vehicles need auto insurance, and Bingham Insurance Group can help. Here are the insurance options for rideshare drivers in Braselton, GA.

What Auto Insurance Should You Get?

Commercial auto insurance coverage made room for rideshare drivers. It covers injury, property damage, and car damage for drivers who operate company cars for business purposes. Companies with commercial auto insurance will treat your vehicle like a company car by adding your make and model to their existing plan. A second option is purchasing commercial auto insurance for the ridesharing side job. Rideshare insurance is the last option.

Because your vehicle doubles as a company car, you must choose between commercial or rideshare insurance. Buy commercial auto insurance yourself if the company requires you to have it. Otherwise, let the company add you to their commercial auto insurance policy.

Rideshare insurance is a good choice if you are not required to buy commercial auto insurance. Rideshare insurance offers more protection by filling the gaps standard and commercial auto insurance don’t cover. In Georgia, rideshare insurance can act as a gap or standalone insurance. The answer depends on which partner carrier you select.

Can You Use Standard Auto Insurance to Cover Business Use?

No. Traditional auto insurance is for drivers who use cars for personal use. However, you can add the gap version of rideshare insurance to existing auto insurance.

Your car takes you to the store, medical appointments, school, work, and back home. When the vehicle becomes your job, it’s an entirely different game. With ridesharing, there’s a thin line between personal and business use. Our team at Bingham Insurance Group will find the coverage that suits your business venture. For more information on insurance coverage for ridesharing drivers in Braselton, GA, contact us.

Errors and Omissions Coverage in Georgia

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p>In many professions, mistakes are costly. Not fulfilling a contract can get you sued. And in Georgia, errors and omissions (E&O) are especially prone to going to court.

That’s why at Bingham Insurance Group, serving Braselton, GA, and the state, we recommend that all of our clients who are in business for themselves, accountants, tutors, caterers, remodelers, insurance brokers, trainers, and nutritionists, among many others, avail themselves of E&O coverage.

Certain professionals, like lawyers and doctors, are statutorily required to carry malpractice insurance in Georgia. Architects and engineers carry professional liability insurance. Coverage for other professions and services is known as E&O. E&O is not required by law, but it is always a good idea to have it.

What kinds of situations are covered by E&O?

  • You are a wedding photographer, and your film is spoiling.
  • You are a cake decorator, and you discover you misspelled the honoree’s name at the last minute.
  • You are remodeling a bathroom and putting the hot and cold water connections in backward.
  • You are an insurance agent, leaving an insured’s name off the policy.
  • You are a beautician who accidentally turns your client’s skin purple.
  • You are a writer and accidentally publish someone else’s words as your own.

You are covered for honest mistakes. You are not covered for intentional errors. You aren’t covered for illegal acts. You aren’t covered for bodily injury to another.

But you can get affordable coverage from Bingham Insurance Group the same day you come in. We need your registered business name, your registered business location (you can be in Braselton, GA, or anywhere in the state), your business license numbers, some basic information about your employees and revenues, and an understanding of what you do.

We can help you find affordable E&O insurance. Call us today!

Tips for making your home a safer place inside and out

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Ensuring Home Safety with the Right Insurance Coverage

Home is a sanctuary, representing safety and comfort. Ensuring safety at home means different things for everyone, but one universally beneficial measure is securing the right home insurance. The team at Bingham Insurance Group in Braselton, GA, would be happy to discuss our wide range of home insurance products that help you safeguard your happy place.

Home Security System

Safety begins at your front door. Modern home security systems are quick to install, requiring minimal tools and technical know-how. They are affordable and conveniently connected to your mobile phone, allowing you to monitor your home from anywhere.

Motion Detection Lighting

Installing motion detection lights outside your home can deter potential intruders who may try to approach in the dark. These lights can also scare away wild animals and allow you to see your surroundings.

Locks

Install locks on your doors and windows for effective security. Use these locks daily, regardless of where you live, to maintain effective security.

Smoke Detectors

Smoke detectors are crucial safety devices for every home, potentially saving lives in emergencies. Keep a fire extinguisher on every floor in easily accessible locations when needed.

At Bingham Insurance Group, an independent insurance agency in Braselton, GA, we offer experienced staff and multiple carriers to discuss your current home coverage.