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  • South Carolina Personal Lines Course
  • Texas Limited Lines Course
  • Training for New Hires: Personal Lines
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  • Training for New Agency Owners
  • Is Your Website WCAG Accessible?
  • FYI Express: GA 03/23
  • Custom Lead Generator
  • Insurance Expo 365
  • Do It Yourself Marketing
  • How to get Peace of Mind
  • Georgia 24 hours CE On Demand
    • #1: Georgia OCI
    • #2: Modern Family
    • #3: Auto Insurance
    • #4: Home Insurance
    • Promotional Videos
    • #5: Stand Alone Policies
    • #6: RC vs ACV
    • #7: E & O Prevention
    • #8: Small Business Insurance
    • #9: Ethics
    • #10: Life Lessons
    • #11: You Deserve a Break
    • #12: Insurance Fraud
    • #13: Here Comes the Judge
    • #14: Agency Management
    • #15: Customer Service Tips
    • #16: Employee Training
    • #17: Insurance 101
    • #18: Coinsurance Clause
    • #19: C.O.P.E.
    • #20: General Contractors
    • #21: Garage Insurance
    • #22: Trucking Companies
    • #23: Restaurant Insurance
    • #24: Digital Handshakes using Zoom
    • #25: Day Care Centers
  • Georgia 20 Hour Limited Subagent
  • Georgia 20 Hour Personal Lines Agent
  • South Carolina Personal Lines Course
  • Texas Limited Lines Course
  • Training for New Hires: Personal Lines
  • Training for New Hires: Commercial Lines
  • Training for New Agency Owners
  • Is Your Website WCAG Accessible?
FYI Express

PERSONAL vs COMMERCIAL AUTO INSURANCE (PDF)

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Beyond Texting: Avoid All Distractions While Driving

From Visually.

Personal Auto Insurance Basics
  • How to Cancel Car Insurance
  • ​How Much Auto Coverage Do I Need?
  • Personal auto policies: 5 questions agents should ask buyers
  • What Determines the Price of My Auto Insurance Policy?
  • Credit and Insurance Scores
  • What information do I need to give to my agent or company?
  • How Can I Save Money On Auto Insurance?
  • Auto Insurance for Teen Drivers 
  • Senior Drivers
  • Road Rage 
  • Driving in Bad Weather
  •  72 Safe Driving Tips that could save your life 
  • Distracted Driving
  • At the Scene of an Accident
  • Preventing Carjacking / Theft 
  • Can I drive legally without insurance? Article
  • A Collision with an Animal IS a Collision
  • It's bad when industry information sources and regulators publish wrong coverage information, especially info that’s detrimental to consumers. I hope, when you come across such instances, you take the time to correct them. Here's a good example of an auto insurance coverage myth that I've run across many times over the years.... Read on »
  • Distracted Driving: The Statistics that every Parent Needs to Know
  • What is auto insurance? (article)
  • 11 Factors That Affect Car Insurance Rates – How to Lower Your Costs (article)
  • ​​Rental Car Insurance: Tips on What You Need to Know at the Counter Video
  • Rental Car Insurance (article)​
  • Determining Your Car's Value and Cost of Repair (article)
  • Insuring a Leased Car
Auto Insurance Statutes by State
Author: Chris Boggs
State laws vary regarding auto policies, personal and commercial. Each state prescribes its own minimum limits and other required coverages. Some states require Uninsured Motorist (UM) and some states require Uninsured and Underinsured Motorist (UM/UIM). Is it a Personal Injury Protection state (aka, No-Fault); or are you allowed to exclude a driver? This information is contained below. Click here to download this information as a PDF document.
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Personal Auto Basics Quiz

What was Kathy Bates wrong about in this incident?
How Should My Agency Handle Nonresponsive Separated/Divorced Individuals on a PAP?
An agent asks: I'm working on establishing a standard office procedure for our office when dealing w/ divorce and personal auto policies. At what point are we able to remove the other party? If the first named insured sends in a copy of the formal divorce decree, are we able to then proceed with removing the other party?
Three Personal Auto Questions Every Agent Must Know How to Answer
Regardless what the commercials tell us, personal auto coverage is not one-size-fits-all. Every insured has unique arrangements and exposures. These lead to uneasiness and questions – hopefully. This article attempts to answer three personal auto questions every agent needs to know how to answer.
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Can the insurance company pay me less than “Blue Book” for my totaled vehicle?
Yes. The Blue Book is only a guide. The company is required to pay you what your vehicle was actually worth (as a used car) the moment before the crash. The adjuster will find out how much used cars like yours (same make, model, and year) are going for in your area. It's a good idea for you to independently research the value of your car too.
Auto insurance can be confusing. That’s why our office stands ready to help you have a better understanding of your coverages. We invite you to contact our office for a no-obligation review of all your insurance needs.

¿Mi seguro de automóvil cubre los daños causados ​​por baches?

​Rental Cars and Unauthorized Drivers
Author: Bill Wilson
We had an insured call to advise that he was going on vacation and renting a car in his name. He has a 19 year old that he understands cannot drive the rental car, by the rental car company's requirement. However, he is planning on letting the 19 year old drive the car anyway. His question was would his personal auto policy respond. I guess my common sense might be getting in the way of the legal application of the policy, but I hesitated to say yes because he is clearly in violation of a written contract. Would the personal auto policy respond?
​Parental Liability for Auto Accidents Click to read the article
​An attorney or financial planner recommends that a child or other resident family member be removed from the parents' auto policy and insured under their own policy. One reason is that, for example, a child had little or no assets or income to attach in a liability lawsuit. Another reason is that, absent a parental liability statute, the parents have little or no liability for the family member. This is VERY bad advice.
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Personal Auto Insurance Basics
Rental Car Insurance (article)
The “Business Use” Exclusion in the Personal Auto Policy (article)
Infographic: Types of Auto Coverage (article)

Working with concrete is a messy and dirty job that can become even more difficult when you fail to put out the traffic barriers to keep people off of wet concrete. This crew apparently just poured this nice patch of concrete in a parking lot but someone failed to put the barrier in place and the supervisor wasn’t supervising so this was bound to happen. I hope the car was able to be cleaned. ​
Insurance Coverage en Español
http://www.iii.org/es/insurance-topics/all-coverage-en-espanol
​If you don’t know what you want, don’t say you never had a chance.
The people who complain the loudest about never having an opportunity in life are usually the ones who always have a ready excuse for their failures. Nothing is ever their fault; they are victims of their heritage, their environment, insufficient education, or any number of other factors that they perceive as placing them at a disadvantage. If you look hard enough, you can always find reasons for not attempting something or not sticking with the job to the end. Successful people, though, are not excuse-makers. They take responsibility for their actions, they set goals, and they assume responsibility for their achievement. Where others see despair, they see hope. They approach every situation with enthusiasm, confident in the knowledge that nothing is impossible for those who have a Positive Mental Attitude.
​You will never be greater than the thoughts that dominate your mind.
If it’s true that you become what you think about most, it follows that the quantity and quality of success you achieve in your life will be in direct proportion to the size of your thoughts. If you allow your mind to be dominated by trivial matters, your achievements are likely to be unimportant. Discipline yourself to think about important things. Keep up with what’s new in your field and with what’s going on in the world. Make a list of good ideas that you can use anytime you are searching for a creative solution to a problem. Remember, small minds think about things; great minds think about ideas.
​​High wages and the capacity to assume responsibility are two things that belong together.
It’s been said that a leader’s job is to inspire others to high levels of achievement, while a manager’s job is to protect the assets of investors. The most successful people are those who recognize the similarities and differences between leadership and management responsibilities, fulfilling both with equal skill and aplomb. When they do, they realize the rewards that are commensurate with their efforts. When you cheerfully accept responsibility for your own actions and do your job in a way that protects the interests of your employer, you will soon be entrusted with more and more responsibilities. And those who have the capacity to assume responsibility — for the success of the project or organization — will always be paid the highest salaries.
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​Canton, GA 30115
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