The Role of Uninsured and Underinsured Motorist Coverage

Posted on September 30, 2025September 23, 2025 by admin

Every time you get behind the wheel, you’re trusting that other drivers have enough insurance to cover the consequences of an accident. Unfortunately, many don’t. In Georgia, uninsured and underinsured motorist coverage is designed to protect you when the other driver is unable to provide coverage. Your insurance representative at Atkinson Casey Agency, serving Monroe, GA, explains.

Why Uninsured and Underinsured Coverage Matters

Accidents are stressful enough without discovering that the at-fault driver has little or no insurance. Repair bills, medical expenses, and lost wages can quickly add up, leaving you financially vulnerable. Uninsured motorist coverage helps when the at-fault driver has no insurance, while underinsured motorist coverage steps in when their policy limits fall short of covering your costs.

How This Coverage Works

Imagine a collision where the other driver is clearly at fault. Their insurance might only cover a fraction of your hospital bills or vehicle repairs—or they may not have insurance at all. Instead of draining your savings or facing debt, your uninsured or underinsured motorist coverage bridges the gap. It acts as a financial safety net, ensuring you’re protected when you need it most.

An Added Layer of Security

Georgia drivers know that the roads can be unpredictable. Having uninsured and underinsured motorist coverage is about ensuring financial security. This coverage means you don’t have to rely on another driver’s preparedness, or lack thereof, to protect yourself and your family.

While uninsured and underinsured motorist coverage may not always be the focus of an insurance plan, it plays a crucial role in providing complete protection. Adding this coverage to your policy safeguards you against one of the most common and costly gaps on the road. Have questions about this coverage? Contact your insurance representative at Atkinson Casey Agency, serving Monroe, GA, today to learn more about our services.

Georgia’s Fire Incident Reporting System

Posted on August 29, 2025August 21, 2025 by admin

If you’re a business owner, you know how essential it is to purchase commercial insurance to protect your business assets. If your business is located near Monroe, GA, our team at Atkinson Casey Agency is here to help you select the right commercial insurance policies for your needs. Since 2016, we’ve been working with corporate clients like you to provide tailored insurance solutions.

Understanding Georgia’s Fire Incident Reporting System

As a business owner, you’re likely familiar with the importance of fire prevention and reporting policies for your company. Fire safety is a mandatory annual employee education topic, covering fire prevention and response procedures. Your company’s compliance reports on fire prevention and education are submitted to the Fire Marshal’s office, where they contribute to statewide fire statistics.

According to the Office of the State Commission of Fire and Safety, fire incident reporting data is used to identify common causes of fires across Georgia. Every fire department in the state is required to submit fire response data to Georgia’s Image Trend Elite Reporting System. This data helps develop employee fire safety education programs. For example, analyzing response times can help businesses improve their fire response planning and execution.

Schedule an Appointment Today

At Atkinson Casey Agency, we are committed to providing quality insurance products at affordable prices. Our agents have the training and experience to offer valuable insurance insights. Businesses in Monroe, GA, trust us for excellent customer service and support. Call us today to schedule an appointment, and let’s discuss how we can help protect your business.

Does Home Insurance Cover RVs Parked On The Property?

Posted on July 31, 2025July 23, 2025 by admin

Home insurance can help protect you from financial ruin after a natural disaster damages your property. Hurricanes often bring strong winds that can knock down trees, while tornadoes and other disasters leave behind trails of destruction. Every homeowner should understand their coverage before disaster strikes.

Typical Coverage

Home insurance policies in Monroe, GA, typically cover the dwelling, personal belongings, and additional items on the property. This can include recreational vehicles, such as RVs and boats. However, the same rules regarding limits and exclusions that apply to your home also apply to your RV.

Coverage Limits

Insurance policies always have coverage limits. While your policy may provide sufficient coverage to repair your home, it may not be enough to replace your RV. Speak with a professional at a company like Atkinson Casey Agency to learn more about your coverage limits and options.

Policy Exclusions

Policies often include exclusions that apply to items on the property, including RVs. Some policies in Monroe, GA, specifically exclude certain natural disasters, such as hurricanes. Homeowners may need to purchase additional coverage to protect their property during these events.

Making Sure Your RV Is Covered

Take proactive steps to ensure everything you own is covered in the event of a disaster. Start by creating a list of items you own that may need replacement and estimating their replacement costs. Then, contact your insurance company to discuss your coverage limits. Additional coverage can often be purchased if necessary.

While speaking with your agent, ask about policy exclusions. If your area frequently experiences certain natural disasters, make sure to inquire about coverage for those events. Your agent can help you purchase additional protection for your RV. Contact the agents at Atkinson Casey Agency today to learn more about our services. We proudly serve the Monroe, GA, area.

Why Monroe Drivers Should Recheck Their Auto Coverage This Fall

Posted on June 30, 2025June 19, 2025 by admin

Driving around Monroe, GA, can be a peaceful experience, thanks to its nearby parks and golf courses. However, being close to the chaotic traffic of Atlanta means it’s essential to ensure your auto insurance coverage is up to date. Without proper coverage, you might find yourself less financially protected than you thought.

Don’t worry—the Atkinson Casey Agency is here to help.

When’s the Last Time You Reviewed Your Policy?

Many people renew their auto insurance policy year after year without taking a closer look at their coverage. Things may have changed since you last purchased your policy. You might need more coverage based on busier roads or changes in your driving habits.

Here are a few key areas to review in your policy:

Coverage limits
Coverage options
Deductible amount

If you don’t feel confident that your current coverage will protect you, it’s time to make a change.

Boosting Your Coverage

It’s always better to have more coverage than not enough. For example, you don’t want a claim denied because you lack specific coverage, such as comprehensive coverage for hail damage.

Consider increasing the limits on your liability coverage as well. Without sufficient limits, you could still be responsible for expenses after your insurance has paid out.

Speak with an Insurance Agent in Monroe

Reevaluating your auto insurance coverage can be overwhelming if you’re unsure what to look for. Are you taking advantage of all the discounts you’re eligible for? Have you considered all the available coverage options?

Instead of navigating this alone, let our knowledgeable agents help you every step of the way. Contact us today at the Atkinson Casey Agency. We’ll ensure you have auto insurance in Monroe, GA, that you can trust.

When Does a Non-Profit Require Commercial Insurance in Monroe?

Posted on May 30, 2025May 27, 2025 by admin

While most non-profit organizations are not legally required to have commercial insurance, there are certain industries and scenarios in Monroe, GA, where commercial protection may be necessary. At Atkinson Casey Agency, we’ll work with you to determine the best course of action to ensure your non-profit is adequately protected all year round.

When is Commercial Insurance Required for Non-Profits?

A non-profit operating in Georgia may require commercial insurance in the following scenarios:

When receiving grants or government contracts
If you lease event or office space, which may require general liability insurance
If you own a fleet of vehicles, such as trucks or vans, in the name of your organization
If you host community or public events, which significantly increases your liability exposure
If you have employees (three or more in the State of Georgia). This can include paid program directors, office staff, and directors, but does not always include volunteers

Common Types of Commercial Insurance Policies for Non-Profits in Georgia

Common types of commercial insurance policies for non-profits operating in Georgia include:

Liability: General liability insurance protects against event liability and injuries to third parties, as well as property damage
Workers’ Compensation: Provides coverage for on-the-job injuries
Directors/Officers (D&O): Protects against lawsuits involving board members or executives
Auto: Commercial auto insurance covers accidents involving non-profit vehicles or fleets
Cyber Liability: Protects against stolen donor information, data breaches, and online cyberattacks

Even if you’re new to managing a non-profit, it’s crucial to understand which insurance policies are right for you. Protecting your non-profit with adequate policies can make a significant difference in preserving your finances and preventing losses. To learn more about your non-profit insurance options in Monroe, GA, contact Atkinson Casey Agency today.

Does Home Insurance Cover Home Improvements?

Posted on April 30, 2025April 28, 2025 by admin

Homeowner’s insurance protects you from suffering a massive loss when theft, natural disasters, or other situations involving damaged or missing property occur. However, many home remodeling projects can also help safeguard your home, such as removing a risky tree. Some remodeling projects may involve theft or be done incorrectly. Will your homeowner’s insurance help you out?

Standard Coverage

Standard coverage doesn’t cover home remodeling projects, including preventative maintenance like removing a risky tree. However, homeowner’s insurance will usually help you remove the tree if it falls on your house or another covered structure.

Most policies don’t reimburse you for materials or for hiring a contractor. However, you can always double-check with an agent at Atkinson Casey Agency.

However, some policies will cover specific situations. For example, if theft is covered in your policy, and a contractor steals from you, homeowner’s insurance will help you. Likewise, homeowner’s insurance may cover lawsuits if someone on the job sues you.

Remodeling After Natural Disasters

Many homeowners in Monroe, GA choose to remodel after natural disasters. This can be tricky when working with a homeowner’s insurance company. How much your policy reimburses you often depends on the fine print.

Flood insurance typically covers the cost of water removal and cleanup. It may help cover the cost of new cabinets and other items lost due to water damage, which can help you remodel your kitchen. However, the policy typically won’t cover anything that isn’t damaged or exceeds policy limits.

We understand how exciting it can be to watch your dream home take shape slowly, or that you may want to remodel after a natural disaster. Always speak with a professional agent at Atkinson Casey Agency to ensure you understand your coverage. Contact us to learn more about our insurance options today! We’re currently serving the Monroe, GA area.

Should I Switch From Full Coverage Auto Insurance to Liability Only?

Posted on March 28, 2025March 25, 2025 by admin

If you have full coverage auto insurance, you enjoy the highest level of coverage for your vehicle. However, not all drivers need this level of coverage, so it’s important to ask yourself if this is the right level of coverage for your car.

The professionals at Atkinson Casey Agency, serving Monroe, GA, can help. We answer questions and help our customers shop around so they can find the best level of coverage for their vehicle. Here’s what you need to know.

What is Full Coverage Auto Insurance?

Full coverage auto insurance is a combination of several other types of auto insurance, including comprehensive, collision, and liability insurance, that provides the maximum amount of coverage.

Your vehicle is covered by insurance if you are in an accident, regardless of fault. Your vehicle is also covered if it is damaged in a range of non-collision incidents, and if you hit another driver with your vehicle, the other driver will be covered.

What Is Liability Only?

Liability-only insurance is a type of insurance that pays to repair or replace the other vehicle if you cause an accident. It can also help pay for the other driver’s medical bills related to the accident.

Who Needs Full Coverage?

If you have a car loan, you may be required to have full coverage auto insurance. Find out from your lender if this is a requirement. If you do not have a car loan and you do not have a new vehicle, you may wish to shop around for a different level of coverage. Some drivers want a lower level of coverage as their car gets older because their car declines in value as it ages.

The professionals at Atkinson Casey Agency, serving Monroe, GA, can help. Call today to find out how we can help you.

Can You Use Investment Funds to Purchase Commercial Insurance?

Posted on February 28, 2025February 24, 2025 by admin

Starting your own business often begins with fundraising. You might have money set aside for this purpose or secure a loan from your local bank. Depending on the nature of your business, you might also receive a significant amount of money directly from investors. However, investor funds often come with conditions. This raises the question: can you use investment funds to purchase commercial insurance and other essentials that don’t specifically pertain to operational costs? Here’s what you need to know about using investment funds for things like commercial insurance. Regardless of whether you can use these funds or not, we’ll always be here at Atkinson Casey Agency in Monroe, GA to help you secure commercial insurance for your business.

Can Investment Funds Be Used for Commercial Insurance? It Depends…

Commercial insurance policies are necessary to operate your business, but some investors may expect you to cover these costs yourself, reserving the money they’ve invested for other business activities. The best way to ensure you can use investment funds for whatever your business needs, like commercial insurance, is to read over your contract and ask beforehand. If there are any conditions in the contract that prohibit this, or if your investor tells you they want you to direct the funds to something specific, you’ll know that you need to find another way to purchase a policy or, if possible, look for another investor with less prohibitive terms.

Shop Commercial Insurance With Atkinson Casey Agency

Atkinson Casey Agency in Monroe, GA is here to help you with your commercial insurance needs. We’ll help you find the commercial insurance policies that will protect your business and benefit you most. Contact us today to get started!

Natural Disasters and Your Home: How to Ensure You’re Fully Protected

Posted on January 30, 2025January 27, 2025 by admin

By nature, natural disasters aren’t always predictable. While we’d like to think our homes are safe, the truth is, there are things that a responsible homeowner should do to ensure you’re fully protected, including ensuring you have a great insurance policy through your Atkinson Casey Agency serving Monroe, GA.

Consider Specific Risks

Start by reviewing your existing policy to identify potential gaps. Standard home insurance often covers damages from windstorms, hail, and fires but may exclude specific risks like floods or earthquakes. For instance, if you live in a flood-prone area, consider purchasing separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer. Similarly, earthquake coverage may require an additional rider or a separate policy.

Evaluate Coverage Limits

Next, evaluate your coverage limits. Ensure the policy includes enough to rebuild your home entirely if it’s destroyed. Replacement cost coverage is a better option than actual cash value, as it accounts for the current cost of rebuilding rather than factoring in depreciation. Don’t forget to inventory your personal belongings. A detailed record can help you file claims more efficiently and prove ownership if items are lost or damaged.

Understand Deductible

Understanding your deductible and how it applies to specific disasters is also wise. Some policies may have separate deductibles for events like hurricanes, expressed as a percentage of your home’s insured value. Knowing this ahead of time can help you prepare financially.

There’s a lot you can do as a homeowner to fortify your home against disasters, like installing storm shutters, securing loose roof shingles, and using fire-resistant materials around your home. Combine this with a robust home insurance policy from your representative at Atkinson Casey Agency serving Monroe, GA, and you’ll have peace of mind in addition to added protection against nature’s unpredictable forces.

Do You Need Gap Insurance on Your Car Loan?

Posted on December 23, 2024December 22, 2024 by admin

If you recently bought a car or are planning to make a purchase soon, you may be asked about gap insurance. While gap insurance isn’t required for auto loans, it is recommended in certain situations.

What is Gap Insurance?

Gap insurance is often included in car payments as a way to cover the difference in the value of the vehicle if there is an accident before it is paid off. In cases where there isn’t gap insurance, owners of the car will have to pay the difference in the loan if what is left is higher than the car’s value at the time of the accident. With gap insurance, this is covered so you can make a clean break from the loan.

Minimal or No Down Payment

If you didn’t put down a significant amount on a new car loan or didn’t use a down payment, ensuring you have gap insurance included in your monthly payment is a good practice. The car’s value is likely to depreciate quickly, and you’ll need to ensure that you have financial coverage in an accident where the vehicle is totaled.

Long Term Payments

If you took out a car loan expected to last at least five years, ensuring you have gap insurance included is good practice. The reason for this is that you’ll be paying a lot of interest for the first couple of years, not touching the principle of the car loan. The car’s value will depreciate significantly by then, and if you get rid of it or find yourself in an accident, you will have to pay extra out of pocket to cover the car’s value.

If you live in the Monroe, GA, area and need an insurance quote, contact Atkinson Casey Agency today.