Strickland and Associates LLC
Newnan, Ga
678-752-7975
Protection well Crafteds for your Need
How can we help you?
We have mulitiple carriers and products to offer
How can we help you?
We have mulitiple carriers and products to offer
Insurance products include a wide range of solutions. Common insurance products include renters, auto, life, general liability, commercial trucking ,home and asset protection. Products can also be customized for various purposes, including to protect professional from lost income due to injury.
The Best When It Comes
Insurance Services & Products
The Best When It Comes
Insurance Services & Products
Auto Insurance
How Coverage Limits Work for Car Insurance
Coverage limits for car insurance. Each state has mandatory minimum requirements for bodily injury and property damage coverage. Your limits will depend on your state's mandates.
•The state-mandated minimum liability coverage limits are too low for proper protection, so consider raising them
•There are several other coverage types that you should consider
•If you increase coverage, your premiums will increase. Look for discounts to keep your premiums down
•Comparison shop for car insurance; this will help you get the coverage you need for the best price
The different car insurance coverage limits work by offering various amounts of protection based on the amount of car insurance you purchase. When you choose your auto insurance, you must select a specific amount of coverage for each option.
Your premium rates will be based on the amount of coverage you select. Each state has set a minimum limit for the amount of liability coverage you must carry. Typically, those limits are too low to fully protect you.
What type of car insurance coverage is available?
The most basic types of car insurance coverage are:
•Liability — There are two types of coverage included in liability.•Bodily injury – If you are in an accident and do not have enough insurance to cover the other driver’s medical costs you could be sued.
• Property damage — This coverage will pay for repairs or replacing the other car if it is damaged in the accident.
•Collision — This coverage is for accidents when colliding with other cars or structures like buildings or poles. It will cover your own vehicle.
•Comprehensive — Comprehensive coverage will pay if your car is damaged by things like hail, fire, or vandalism.
•Uninsured motorist underinsured motorist — This will kick in if you are not at fault in an accident, but the offending party does not have enough insurance to cover your damages. It also covers you in a hit and run situation.
•Personal injury protection coverage — Personal injury protection coverage is required by some states now. This coverage pays for the medical costs of the policyholder. This is a very important coverage to have if the policyholder does not have health insurance.
HomeOwners Insurance
Homeowners insurance includes several types of coverage that can come in handy. It pays to repair or replace your house and other structures on your property, as well as personal belongings if they’re damaged by an incident the policy covers, such as a fire or tornado. Homeowners policies also typically include liability coverage that can pay out when you’re held responsible for an accident or injury.
Buying homeowners insurance isn’t required by law, but if you have a mortgage, your lender will likely require you to insure the home to protect its investment.
Even if you don’t have a mortgage, home insurance is almost always a wise purchase, giving you both property and liability coverage. These are its main functions:
•Repair your home, yard and other structures. If your home was leveled by a severe storm or burned to the ground, homeowners insurance helps cover reconstruction.
•Repair or replace personal belongings. Many policies cover your belongings not only inside the house but also when you’re away from home.
•Cover personal liability issues. If a visitor trips on your walkway and sues you or your dog bites someone, homeowners insurance can help cover others’ injuries and your legal costs.
Business Insurance
Among the most popular business policies is a Business Owner’s Policy (BOP). A BOP generally includes business property, general liability and business income coverages in one policy. Combining these coverages can help save you money and it’s convenient.
Insurance helps protect from the cost of bodily injury or property damage claims against your business. For example, a customer may make a claim against your business if he is injured in your store. General liability can help cover you against the costs of the claim and potential defense costs. It also helps protect your business from the costs of errors in your advertising.
Business property insurance helps protect your business's buildings and personal property. This might include furniture, tools, equipment and inventory.
Business income insurance helps replace lost income if you close temporarily due to a covered loss like theft or property damage from a fire. It can also help you continue paying expenses while your property is replaced or repaired.
Professional liability insurance helps cover costs related to claims that your business made errors in providing its services. For example, if you make a clerical error and it causes a client to lose thousands of dollars, professional liability insurance can help cover the costs if the client makes a claim. A business doesn’t need to do anything wrong to be sued. Depending on the scenario, coverage would apply to defend a business if sued.
Workers' compensation insurance helps cover costs to employees while they are unable to work after suffering a work-related injury or illness. Workers’ comp from The Hartford also provides programs to help employees prepare to return to work after their absence. And, if a worker's family decides to sue your business, Workers’ comp can also help cover the legal fees.
Commercial auto policy helps protect your business from the costs of a work-related auto accident. If you or an employee is in an accident while driving for business reasons, commercial auto can help cover the costs that results from the accident
What our customers are saying
TESTIMONIALS
What our customers are saying
TESTIMONIALS
Thank you for your assistance and expertise in helping us with our insurance. I appreciated your knowledge and ease in answering our questions and the great smiles we received from all of your staff.
Linda Prestidge
Strickland and Associates LLC has serviced us for the last decade. They have always been the example of professionalism. When we had a claim it was handled promptly and fairly.
Donald and Martha Sylvester