The Difference Between Full Coverage and Liability-Only Insurance

Posted on October 30, 2024October 28, 2024 by admin

In Macon, GA, liability-only insurance is the most basic form of auto coverage and is typically required by law in most states. It covers the costs associated with damages and injuries you cause to others in an accident where you are at fault. This includes bodily injury liability, which caters to the cost for lost income and medical expenses for those hurt in the accident, and property damage liability, such as damages to vehicles or structures. However, liability insurance does not cover any damage to your own vehicle or injuries you sustain.

Full Coverage Insurance

Full coverage insurance offers more comprehensive protection. It includes liability coverage, as well as additional types of coverage to protect your own vehicle. The two key components are collision and comprehensive coverage. Collision insurance pays for repairs to your vehicle after an accident, regardless of fault, while comprehensive insurance covers non-collision incidents, such as theft, vandalism, fire, or weather-related damage. Full coverage also typically includes uninsured/underinsured motorist protection, which helps cover your expenses if you’re hit by someone without sufficient insurance. This option provides broader financial security but comes with higher premiums.

Choosing the Right Coverage

Deciding on coverage depends on your personal circumstances. Full coverage is usually recommended for newer vehicles or those financed through a lender, as it ensures your car is protected in various situations. However, if you drive an older vehicle with a lower value, liability-only insurance may be more cost-effective, as the cost to replace or repair the car might exceed its worth. The decision should balance your financial situation, vehicle value, and risk tolerance.

O’Mahony Insurance Agency LLC Explains Everything Concerning Insurance

O’Mahony Insurance Agency LLC is here to answer all your insurance questions. We serve Macon, GA, and surrounding cities. Contact us today.

Umbrella Insurance: Because Accidents and Injuries are Unpredictable

Posted on September 30, 2024September 30, 2024 by admin

Insurance is a reliable fallback when encountering an accident, fire, or significant life event. Opting for auto and home insurance plans that provide ample coverage is crucial. The challenge lies in determining what may constitute "ample coverage", as its inadequacy could have you being underinsured. These considerations signal why residents in and around Macon, GA, entrust their insurance inquiries and umbrella insurance needs to the professional and congenial team at O’Mahony Insurance Agency LLC.

Because Accidents and Injuries Are Unpredictable

If we could predict the cost of damages and medical bills before an accident, determining adequate insurance wouldn’t be a problem. However, accidents, injuries, and the cost of damages, repairs, and medical expenses differ for each incident or event.

This variable nature of incidents makes determining the appropriate insurance coverage intricate, underscoring the importance of umbrella insurance. Collaborating with an experienced and knowledgeable insurance agent is invaluable for that extra assurance and, essentially, the protection you require.

Umbrella Insurance Protection in Macon, GA

If you’re a resident in or around Macon, GA, and curious about the benefits of umbrella insurance or seeking umbrella insurance protection, we at O’Mahony Insurance Agency LLC are here to help. Don’t let coverage gaps or insufficient coverage expose you to financial risks. Ensure your peace of mind with umbrella insurance for comprehensive coverage and protection. Contact us today to explore more and arrange an appointment for the umbrella insurance that best suits you and your family at O’Mahony Insurance Agency LLC.

How to Pick An Insurance Agent When Getting Home Insurance

Posted on August 30, 2024August 29, 2024 by admin

Choosing the right insurance agent is crucial when procuring home insurance. Familiarizing yourself with the qualities to look for in an agent and understanding the distinction between captive and independent insurance agents can be beneficial. The dedicated professionals at O’Mahony Insurance Agency LLC, servicing Macon, GA, are here to streamline your search for a home insurance policy. As a trusted and reputable insurance agency, we excel in delivering top-notch customer service and timely responses to your concerns. Here’s what you should consider when seeking an insurance agent.

Qualities to Look for in an Insurance Agent

Great insurance agents:

Return your calls promptly or attend your call on the first ring.
Provide accurate, immediate answers to your queries.
Demonstrate expertise in the industry and guide you to insurance products that cater to your needs.

Captive Agent vs. Independent Agent

While searching for an insurance agent, you’ll likely come across terms like "captive insurance agent" and "independent insurance agent." A captive insurance agent sells insurance products from a single carrier. On the other hand, an independent insurance agent offers a variety of insurance products from many carriers. When you work with an independent insurance agent, you can trust them to shop around and find a policy that truly meets your needs.

Getting Started

At O’Mahony Insurance Agency LLC servicing Macon, GA, we are an independent insurance agency that offers timely responses to your inquiries and products from multiple carriers. We’re experts in the field and are here to help you secure the right insurance for your needs. Contact us today to get started with your search for the ideal home insurance policy.

My Fishing Boat Sank. Now What?

Posted on July 31, 2024July 31, 2024 by admin

Experiencing a sinking of your fishing boat in Lucas Lake is unfortunate and begs the question, what happens next? The bad news is that your fishing boat has sunk, and the catfish will likely get drunk off your beer supply. The good news is that if you had the foresight to insure your boat, you can get reimbursed for the cost of your boat. While your beer will have to be written off as a loss, you can purchase a new boat or cover the cost of salvaging the sunken one, if that’s possible.

Post-Accident Procedure

Once you have verified that all individuals who were on board are safe, you should immediately call your insurance company. Keep in mind that if your boat sank due to a storm, your insurance provider might be preoccupied with claims from other clients. Patience is crucial here. Be prepared to give them as much information as possible, including pictures if you have any, to prevent any further loss.

The claims adjuster would want to ascertain if the cause of the sinking is covered under your policy. Incidents like accidents, collisions, or natural disasters may be covered. You will be paid according to the limits of your policy. Factors like manufacturing defects, maintenance errors, or even deliberate sinking are typically not covered.

O’Mahony Insurance Agency LLC – Serving Macon, GA

If you are in the Macon, GA, area and require boat insurance, please contact O’Mahony Insurance Agency LLC. Our experienced and friendly agents will do everything possible to help you find the policy that best suits your unique needs.

Auto Insurance in the State of Georgia

Posted on June 28, 2024June 25, 2024 by admin

In the state of Georgia, auto insurance is a legal requirement. The cost can vary, with some sources stating it is more expensive compared to other states while others maintain it is less costly. Regardless, all drivers in Georgia are obliged by law to have liability insurance. This safeguards them financially and any other individuals involved in an accident. Insurance is a must if you intend to drive in the Peach Tree State. It is also crucial to be aware of certain other stipulations.

Auto Insurance in Georgia

The State of Georgia mandates a minimum coverage of 25/50/25 for drivers. This split limit bifurcates the available coverage amounts into per-person, per-accident, and property damages. Additionally, Georgia operates as a diminished value state. This indicates that drivers have the right to reclaim diminished value from the at-fault party’s insurance company. Therefore, the requisites include not being at fault for the accident, being supported by appropriate documentation, possessing a vehicle with a market value of over 7,000 dollars, and having a low to average mileage.

Moreover, the vehicle should incur more than $500 in property damage, have a clean title, and be less than ten years old. Failure to provide proof of insurance in Georgia can lead to a $25 fine, which may rise significantly if not paid swiftly. The offender may also face up to a year in jail, a license suspension stretching between 60 to 90 days, or vehicle impoundment.

O’Mahony Insurance Agency LLC, Serving Macon, GA

If you reside in the Macon, GA, area and require auto insurance, please contact O’Mahony Insurance Agency LLC. Our proficient, experienced, and amiable agents will go above and beyond to help you find the policy that is ideally suited for you.

Will Umbrella Insurance Cover Me If I Am Sued?

Posted on May 31, 2024June 7, 2024 by admin

Accidents happen despite our best efforts to prevent them, so we buy insurance to protect ourselves and our families against those unforeseen events. Umbrella insurance is an underappreciated form of insurance because it supplements our other insurance policies while protecting us when facing certain legal situations. If you want to learn how you might benefit from an umbrella insurance policy, contact the O’Mahony Insurance Agency LLC team, which serves those in the Macon, GA, area.

How Umbrella Insurance Protects You When Sued

Home, auto, and similar insurance policies cover damages to property and liabilities when policyholders are found at fault for injuries or damages others suffer at their residence or involving their vehicle. Each policy covers the liabilities up to an established limit, and umbrella insurance covers liabilities exceeding a primary policy’s limits up to the umbrella policy’s limit.

The primary policies also protect certain lawsuits, and umbrella insurance extends the coverage in those situations. Umbrella insurance also covers legal costs when you or someone in your household is sued for:

Slander, defamation, and libel
Invasion of privacy
Wrongful eviction and entry
Malicious prosecution and false imprisonment

Personal umbrella insurance provides broad coverage but does not cover business and professional activities or liabilities resulting from a contract. It also does not cover harm resulting from criminal or intentional behavior.

Like all insurance, you should discuss the specifics of your umbrella coverage with your insurance agent.

Working With O’Mahony Insurance Agency LLC

Knowing that you and your family are protected in a world where anything can happen is comforting. If you live in or near Macon, GA, and want to discuss umbrella or other insurance, stop by or call us at (478) 464-0206 to speak with the O’Mahony Insurance Agency LLC team.

When is it a good idea to get home insurance in Georgia?

Posted on April 29, 2024April 29, 2024 by admin

If you live in the Macon, GA, area, you should consider owning your own home. Being a property owner here will provide various long-term benefits and advantages. If you choose to buy a house when you are in the area, it would also be smart to get insurance for it. There are a lot of scenarios when it is smart to get home coverage.

When Trying to Secure Finances

A situation when you want to get a home insurance plan in Georgia is when you are trying to secure your personal finances. Your home is the most valuable asset you will likely ever own, and the best way to cover it is with home insurance, which offers support if the property is damaged in various situations. Further, a plan will provide personal liability coverage and cover personal items you own.

When Taking out a Mortgage

It would be best if you also considered getting a home insurance policy when taking out a mortgage. Many people in this state will finance their home purchase with a mortgage. While this can help you buy a home, it does come with some requirements. One common obligation is to get insurance. You will likely have specific insurance requirements set by the lender and may also need to establish escrows.

Getting home insurance in Macon, GA is always a good idea. If you are looking to buy a home when you are here, it can be smart to call our professionals with O’Mahony Insurance Agency LLC. Our team with O’Mahony Insurance Agency LLC will give any guidance you need to select a policy that meets your needs and will cover your home the right way.

Four things to know about boat insurance in Georgia

Posted on March 30, 2024March 30, 2024 by admin

It’s important that boat owners know how to meet their insurance needs in Macon, GA. At O’Mahony Insurance Agency LLC, we can help you find the right boat insurance coverage in Georgia for your situation.

The following are four things to know about boat insurance in Georgia.

Boat insurance policies don’t usually cover you wherever you go.

Boat owners need to pay attention to their policy’s geographic and navigational limits. If you take your boat far from home, you might not be covered for accident damages by your insurance policy. Ensure that your policy’s navigational limits don’t make it so that you aren’t covered in areas where you use your boat frequently.

There are numerous types of boat insurance coverage available.

When you buy boat insurance, you can choose whether to include medical payments coverage, physical damage coverage, and uninsured boater coverage on your policy. Make sure you understand the different coverage types when choosing your policy.

You usually have a few deductible amounts to choose from when you buy boat insurance.

Review your deductible options carefully when you buy boat insurance. Policies typically offer a few deductible amounts from which you should choose depending on your boat use habits and financial situation.

Boat insurance is required at many Georgia marinas.

According to law, you don’t have to carry boat insurance as a Georgia boat owner. However, you probably need to have boat insurance if you plan to keep your boat at a marina. Most marinas require all boats stored at their facilities to be insured.

Do you need to get a quote on a boat insurance policy in Macon, GA? Call us today at O’Mahony Insurance Agency LLC, and we can help.

High-Risk Auto Insurance

Posted on February 28, 2024February 27, 2024 by admin

Essentials of High-Risk Auto Insurance in Georgia

Certain drivers in Georgia need non-standard car insurance, commonly known as high-risk auto insurance. O’Mahony Insurance caters to high-risk drivers across Macon, GA, and the entire state. Whether you have been categorized as a high-risk driver owing to traffic offences or are a new driver, here is where high-risk auto insurance comes into play.

Reasons for Needing High-Risk Auto Insurance

SR-22 Requirement: If you are required by the State of Georgia to demonstrate financial responsibility due to a DUI conviction, an arrest for driving without insurance, or an accumulation of multiple tickets, high-risk auto insurance is mandatory to drive again legally.
Record of Traffic Offenses: If you have accumulated many tickets, suffer from a DUI conviction, or have more than two accidents in your claim history, you may require high-risk auto insurance. This applies even without an SR-22 requirement.
New Drivers: Auto insurance generally costs more until age 25, categorizing young drivers as ‘high-risk.’
License Suspension or Revocation: If your license has been suspended or revoked for any reason, you might be perceived as a high-risk driver. This category can also include individuals with low credit scores.

Getting the most affordable high-risk auto insurance demands the expertise of experienced agents like us at O’Mahony Insurance Agency LLC. We will assist you in finding the coverage you require now and guide you in improving your driving record. Remember, driving without insurance is illegal. O’Mahony Insurance Agency LLC is here to help you find suitable coverage at the best feasible price.

Umbrella Insurance in Estate Planning: Protecting Your Legacy

Posted on January 22, 2024January 24, 2024 by admin

Here at O’Mahony Insurance Agency LLC, our dedication lies in preserving legacies through comprehensive estate planning, specifically serving Macon, GA and its neighboring communities. Although wills and trusts are fundamental, the often-forgotten umbrella insurance assumes a crucial role in bolstering these strategies. Recognizing its impact, we’ve observed its ability to extend coverage beyond standard policies, safeguarding against unforeseen events such as lawsuits and liability claims.

5 Ways Umbrella Insurance Enhances Your Estate Plan

Comprehensive Asset Protection: Beyond standard coverage, umbrella insurance acts as a financial safety net, securing your assets for future generations and safeguarding against potential risks.
Future Income Security: It not only protects current assets but shields future earnings. In cases where liabilities surpass primary policy limits, this coverage preserves your wealth, minimizing impacts on your estate.
Extended Liability Coverage: Offering an additional layer of protection, umbrella insurance bridges gaps where primary policies fall short, mitigating financial risks and ensuring your legacy remains intact.
Tailored Solutions: Understanding the nuances of insurance laws, our team specializes in crafting umbrella insurance solutions tailored to your specific estate planning needs.
Proactive Legacy Preservation: Integrating umbrella insurance into your estate plan is a proactive step. Contact us to explore how this coverage fortifies your strategy and offers comprehensive protection for your family’s future.

Secure Your Legacy with Our Agency Today!

Estate planning isn’t solely about wills and trusts; it’s about safeguarding what you’ve built for the future. Let our agency, O’Mahony Insurance Agency LLC, serving Macon, GA and surrounding areas, provide tailored umbrella insurance solutions to secure your legacy and offer peace of mind for generations to come. Contact us today to explore how this coverage fortifies your strategy and offers comprehensive protection for your family’s future.

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