Plain-language claims insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
Someone else just hit you in Georgia. Their insurance is supposed to pay, but not always quickly and not always in full. Here is a plain-language guide to what your auto policy actually pays for in a not-at-fault accident, and what to do in the first 72 hours to protect your claim.
Read article →When you buy an insurance policy, you and the insurer enter into a contract. Georgia law does not just enforce the terms of that contract. It also imposes…
Read article →Not every frustrating claim experience is bad faith. Insurers sometimes make mistakes, understaff claims departments, or take positions you disagree with for reasons that are at least arguable…
Read article →What information do I need before filing a claim? Every carrier operates its own claims process. The phone number, online portal link, and mobile app for your carrier…
Read article →Will my insurance carrier give me a hard time when I file a claim? Filing is straightforward: you contact your carrier, or call us and we help you…
Read article →A CLUE report is a record of your insurance claims history that carriers use when they decide whether to insure you and what to charge. CLUE stands for…
Read article →After you report a claim, the carrier opens a file, assigns a claims adjuster, investigates the loss, and pays for covered damage minus your deductible. Knowing the steps…
Read article →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…
Read article →A public adjuster and an attorney both help with an insurance claim, but they do different jobs. A public adjuster is a licensed claims professional you hire to…
Read article →Most insurance policies require a loss to be reported as soon as reasonably possible after it occurs. There is no universal deadline that applies to every situation: the…
Read article →Why do carrier repair estimates often start low after a claim? Carrier estimates after a claim often start low. Adjusters work quickly, sometimes remotely, and rely on pricing…
Read article →In Georgia, policyholders have the legal right to choose their own licensed contractor for most property and auto claims - carriers cannot require use of a preferred-vendor shop…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
