Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
What does it mean for a carrier to be admitted in your state? The carriers available through us are admitted in the states we operate in. That means…
Read article →What data do telematics programs collect from drivers? Telematics apps collect data through your smartphone's sensors or a plug-in device, then translate driving behavior into a score that…
Read article →In some programs, yes. Discount-only programs shrink or remove the discount if a score is poor, while full rating programs can use the driving data to raise the…
Read article →Georgia auto rates have been falling since the state's lawsuit reform started working through the market. We covered that shift in our rate-drop guide. Statewide rate cuts are…
Read article →A personal umbrella policy does not extend to business activities. It sits above your personal lines, including auto, homeowners, and watercraft, and responds when a covered personal claim…
Read article →Does auto insurance follow the car or the driver in Georgia? In Georgia, auto insurance generally follows the car, not the driver. The policy attached to the vehicle…
Read article →Does my personal auto insurance cover rental cars? Personal auto insurance typically extends to rental cars used for personal trips within the United States. Your existing liability, collision,…
Read article →What is uninsured motorist coverage and when does it apply? Uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage work as a two-step backstop. UM applies when the…
Read article →Does cyber insurance cover ransomware attacks? A well-structured cyber liability policy covers both ransomware attacks and the business interruption losses that follow. Standard commercial property and general liability…
Read article →A data breach can cost a small business anywhere from tens of thousands to well over $100,000 when you add up every consequence. The headline technical expense is…
Read article →Almost every collector car policy prohibits daily driving, and using the car that way can void your coverage entirely. Collector policies carry lower premiums because insurers price them…
Read article →For a classic or collector car, agreed value pays a fixed dollar amount you and the insurer settle on before the policy starts, while actual cash value pays…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
