Is RV insurance required in Georgia?

Yes for motorized RVs in Georgia (liability matches state auto minimums). Travel trailers borrow from the towing vehicle. Specialty RV coverage strongly recommended for physical damage and personal effects.

Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

How do I cancel my insurance policy?

Cancellation is a written request to the carrier with a specific date, usually 14 days notice. Most carriers refund unused premium pro rata. Never cancel before the new policy is in force.

What commercial coverage do Georgia businesses need beyond a business package policy and general liability?

Beyond a business package policy and general liability, the most common Georgia specialty commercial needs are commercial umbrella, inland marine, cyber, and management liability.

Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

General FAQs

What is a recorded statement and should I give one?

All FAQs

Quick answer: An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

A recorded statement is an audio-recorded interview in which an insurance adjuster asks you to describe, in your own words, how a loss or accident happened. It is a standard documentation tool used early in a claim to establish a consistent account before memories shift and before other evidence is gathered. Whether giving one is expected or optional depends on who is asking.

What is the purpose of a recorded statement?

Adjusters use recorded statements to build a timestamped account that the carrier then compares against the policy, the police report, photos, and any other documentation gathered during the claim. That comparison determines what is covered and at what amount. Inconsistencies between a recorded statement and later evidence can complicate a claim, which is why accuracy matters more than elaboration.

When does your own insurer ask for a recorded statement?

When your own carrier requests a recorded statement, cooperating is generally expected. Most policies include a duty-to-cooperate clause, and a recorded statement is a routine part of fulfilling that obligation. Sticking to what you know, answering only what is asked, and saying you do not remember rather than guessing keeps the statement accurate and consistent. For example, if a tree falls on your roof during a Georgia storm, your carrier may call within days to record your account of the damage before an inspector arrives. Providing factual details about the event itself, without speculating on cause or estimated cost, is the appropriate scope of that statement.

What about a recorded statement for the other party's insurer?

When a request for a recorded statement comes from the opposing party's insurance carrier after an accident, there is typically no legal obligation to comply. Giving one carries risk if words are taken out of context or if injuries have not yet fully developed. For example, a driver in Augusta was rear-ended and received a call from the at-fault driver's carrier within a day asking for a recorded statement and a quick injury assessment. The driver declined the recording, shared only basic factual details, and let their agent handle further communication. Days later, neck pain appeared. Because the driver had not stated "I feel fine" on tape, the injury claim was not undercut by an early recorded remark.

What written documentation helps alongside a recorded statement?

Written notes made immediately after a loss, capturing the time, date, weather, exact sequence of events, and names of anyone present, serve as a personal contemporaneous record regardless of whether a formal recorded statement is ever given. Those notes are particularly useful if a claim becomes disputed later. For more on how claims are structured by policy type, see the difference between claims-made and occurrence policies. To understand what a licensed advisor reviews when evaluating your coverage before a loss occurs, see what a free coverage review involves. For the distinction between who your agent is and who your carrier is, see the difference between an insurance carrier and an agent. A free coverage review with a licensed advisor confirms whether your policy is built to handle a loss before one happens.