Category: Auto Insurance

Enhance Your Auto Insurance Coverage with Roadside Assistance

Imagine being stranded on a road with a flat tire. Would you know what to do next? The good news is that you don’t have to if you have full auto insurance coverage. It comes with the convenience of calling for roadside assistance. Such services offer a comprehensive range of aid customized for situations like yours.

At The Good Insurance Group LLC, serving Bloomsburg, PA, we help our customers find well-rounded auto insurance policies that include roadside assistance coverage. If you have questions about your roadside assistance coverage, please call us! We’re here to help.

Understanding Full Coverage Auto Insurance

Full-coverage auto insurance is an amalgamation of car insurance coverage, including liability, collision, and comprehensive protection. It typically includes a roadside assistance component to help drivers with vehicle breakdowns.

Most roadside assistance coverage includes the provision to tow your vehicle, jump-start a battery, replace a flat tire with a spare one, deliver fuel if you’re out of gas, and render lockout service (if you’ve locked your keys inside the car). Roadside assistance exists to ensure you’re back on the road quickly after any unforeseen vehicle issues arise.

How to Secure a Full-Coverage Auto Insurance Plan

If you are interested in full-coverage auto insurance, your insurance agent at The Good Insurance Group LLC, servicing Bloomsburg, PA, can assist you. We collaborate with multiple insurance carriers to ensure our customers find the perfect insurance products suited to their needs.

If roadside assistance is a crucial part of your full-coverage auto insurance, we can help you find the best policy offering excellent assistance at an affordable rate. Call us today to initiate your insurance policy hunt.

Accidents happen when you least expect it. They are stressful and scary, even if they are minor fender benders. The key is being proactive and knowing everything you should do if something happens to you. Your friends at The Good Insurance Group LLL in Bloomsburg, PA have compiled this guide to help you prepare.

Collect Important Documents

In addition to your valid driver’s license, it is important to have the following handy in your vehicle, ideally the glove compartment. 

• Insurance card or proof of insurance
• Vehicle Registration
• A first-aid kit
• A list of emergency contact information
• Note paper and pen

Think Safety First

Stop your vehicle and evaluate whether you and your passengers are hurt. If there are medical injuries, do not move if you are injured, and do not move others who are hurt. 

Call 911 and Report The Accident

Whether the accident is a minor fender bender or more major, always call 911 and report the incident to the police. 

Exchange Information

Exchange information with the other driver, including:

• Name and contact information
• License plate number
• Insurance company and policy number
• Driver’s license number

Take Photographs of the Accident

Take photos of the accident scene, including:

• Damage to both vehicles
• License plates #
• Injuries, if any
• Traffic signs or lights

Contact Your Insurance Company

Always inform your insurance company of whether the accident was your fault. They will provide details and help you understand the steps you need to take. 

Contact The Good Insurance Group LLC Today

For more tips, contact The Good Insurance Group LLC today! We proudly serve the Bloomsburg, PA area and are happy to help you prepare.

Your auto insurance makes driving your vehicle less stressful. You know that if you have an accident, you are covered. But, you may be surprised if you discover that your coverage is not what you expected. It is important to do reviews of your coverage to avoid those kinds of surprises. At The Good Insurance Group LLC in Bloomsburg, PA, we encourage our customers to review their policies, and we are here to answer any questions you may have. 

Most auto insurance policies are renewed yearly. When you receive your new insurance policy, whether in print or digitally, you will see that the front page is the declaration page. The declaration page details your coverage. It includes your liability coverage, your collision, and comprehensive coverage. It also consists of any add-ons you have added to your policy and lists your deductible. Each of these areas should be examined at least yearly to make sure that you have the amount of coverage that makes sense for you. 

If you notice that your policy rate has increased significantly, it is time to review your policy. You may not be able to see any reason for the increase, in which case you should call your insurance agent for an explanation. It may be time to look for a new carrier, or you may need to increase your deductible. 

If you add a new driver to your policy, you may want to increase your liability coverage, especially if it is a teen driver. If you are adding a new vehicle, you may want to make sure you have gap coverage to cover any gap between the policy value of your car and what you owe on your auto loan. 

Contact The Good Insurance Group LLC in Bloomsburg, PA to discuss your auto insurance and do a review. 

Most types of insurance—including auto—have a deductible. The deductible is the amount of money that you must pay out of your own pocket before the insurance company takes over and pays the rest. Here at the Good Insurance Group LLC, we know how confusing deductibles can be for Bloomsburg, PA residents, so we have answered some of the most commonly asked questions regarding deductibles below.

How Exactly Do Deductibles Work?

The deductible is a pre-determined amount that you will be required to pay after a covered event. The deductible is in place to help protect the bottom line of the insurance company and deter frivolous insurance claims from being filed.

For instance, if you caused an accident that resulted in $2,000 worth of property damage and you had a deductible of $500, then you would be expected to pay $500 before your insurance company would pay the remaining $1,500.

When Is the Deductible Paid?

As a general rule, you will need to pay the deductible when you file an insurance claim. However, if you are involved in an accident and not found to be at fault, you will not be responsible for paying your deductible. However, if the other party does not have insurance, you will need to pay your deductible in order to have your policy’s uninsured motorist coverage kick in.

How Much Should the Deductible Be?

There is no one-size-fits-all answer here. The higher your deductible, the lower your insurance premium. While a higher deductible will save you on your monthly payment, it may not necessarily be the best option for you.

When choosing your deductible, you need to consider what you would be able to afford to pay out of your pocket in the event of an accident. If you don’t like the thought of or wouldn’t be able to afford paying $1,000 on short notice, then you should seriously consider opting for a lower deductible.

If you have any further questions regarding auto insurance deductibles, do not hesitate to contact us. Serving the residents of Bloomsburg, PA, The Good Insurance Group LLC is happy to sit down with you to discuss your budget and needs in order to determine the most ideal deductible for your situation.

Do you have a teen driver at home? As our kids get older, our risk level increases as they’re exposed to more hazards out on the road. Here at The Good Insurance Group, LLC, we want to make sure all Bloomsburg, PA parents have the coverage they need. Keep reading to learn more about umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is a funny play on words. It is a special type of liability policy that extends over your home and auto insurance to give you more coverage in the event of a serious claim.

As a parent of a teen driver, you have an increased risk that the child you’re legally responsible for could cause a major accident while driving a vehicle you own. If this happens and your standard policies do not have enough coverage, you could be sued for the remaining amount and have to pay for damages out-of-pocket if they’re above your limits.

Fatality crashes involving youthful drivers happen every day in our country. Even if your child isn’t the one at fault, there could be some liability involved if they have friends in the car or make simple mistakes during the incident. Instead, it is better to have an umbrella of coverage as added financial protection. 

Protect Your Family with Umbrella Insurance

There are other circumstances when having umbrella coverage is vital, but having a youthful driver in your household is one of the most critical. If you have a teen driver at home, it is important to have a conversation with your trusted Bloomsburg, PA insurance agent. Please contact our team at The Good Insurance Group, LLC to schedule an appointment to talk about umbrella insurance coverage.

Specific auto insurance coverage is required in Pennsylvania, and you must carry proof of that insurance. If you don’t have the insurance that you need, or you want to shop for a new policy, call us at The Good Insurance Group, LLC in Bloomsburg, PA to speak with an agent. 

Liability Auto Coverage

Every vehicle in Pennsylvania must have a liability insurance policy. This comes with required minimums for bodily injury for each person in an accident, a minimum amount for bodily injury per accident, and a minimum amount for the property damage done in an accident. It also has an amount required for first-party medical benefits, medical benefits for you and your passengers.

Tort Options

A few states also have tort options that go with their auto insurance, and Pennsylvania is one. The choices for your insurance coverage are full tort or limited tort. With the full tort option, you will retain the right to sue the other party after an accident for any pain and suffering that you are left with. This tort choice generally has a higher premium payment. The limited-tort option greatly restricts your ability to sue another party for non-monetary damage- usually pain and suffering. However, you do retain the right to sue after an accident if there was a permanent disfigurement or death. The limited-tort option comes with a lower premium amount. 

Get Insured

If you need auto insurance in Pennsylvania, it can be hard to figure out all of the available choices and make sure that your coverage is enough to be legal. Give us a call at The Good Insurance Group, LLC in Bloomsburg, PA to make an appointment with an agent that can help you with your choices.