Fayetteville, AR is known for having a lot of college students, so you may have been thinking about this for a long time. When you added your teenager to your auto insurance policy years ago, you investigated your options and different levels of coverage.

Talking to your agent at G & G Independent Insurance is a great way to get advice on what steps to take to make sure you have the insurance coverage you need without spending more than you need to. Once your child moves away to college, you have to decide whether to keep your child on your policy or cut off insurance for your child.

If your student is living on campus and is not allowed to have a vehicle, there will be few opportunities to drive. The added expense to you may not even benefit your child. On the other hand, if your child is planning on driving, it will be important to make sure that there is insurance coverage. Your child will need to check that insurance is valid before borrowing a friend’s car.

If your student moves out-of-state, there may be different driving and insurance laws. Depending on which state the student is living in to attend college, there may be different insurance requirements, including different amounts of coverage required by law.

One of the nicest benefits to keeping your young adult child on your insurance policy is that your child will have the benefit of being able to prove a long and continuous period during which he or she had insurance.

If you are in Fayetteville, AR or if your child is coming here for school, please feel free to contact our friendly agents at G & G Independent Insurance to discuss our auto insurance options.

With winter in the rearview mirror, residents of Fayetteville, AR and nearby areas can start enjoying more outdoor recreation activities. Some have plans to bring their boats out locally, while others may prepare their boat and trailer for an adventure somewhere far away.

Wherever you plan to enjoy time on your boat, be sure to check with an agent at G & G Independent Insurance to learn about the coverages we offer.

Safe Boating Checklist:

• Inspect the structure carefully and take notice of any areas along the hull that show signs of wear or damage.
• Check the batteries, engine, and fluid levels.
• Bring along sufficient supplies (such as fresh water, snacks, sunscreen) and a fully-charged mobile phone for your adventure.
• Make sure that your trailer is in good condition and tires are properly inflated.
• Ensure that you have a first aid kit, sufficient life vests, and any other safety equipment required by local ordinance or state law.
• Make sure that your boat is properly registered since any boat with an outboard motor of at least 10 horsepower requires an up-to-date registration and title.

Other Important Considerations:

• Have you considered personal liability coverage?
• Does your current policy cover the boat while it is on the trailer?
• Does your coverage include fuel spill liability or removing wreckage?
• What amount of liability are you able to assume if your vessel is involved in an accident, damaged, or stolen?

Serving Fayetteville, AR and nearby areas, G & G Independent Insurance offers wide-ranging coverage options. In addition to boat insurance, our agents can assist with auto, commercial, health, homeowners, and life insurance, as well as specialized lines. Contact us today to learn more about the policies we offer.

Great news for motorcycle lovers, a new start-up is seeking to become the Airbnb of the motorcycle industry. Founded by motorcycle enthusiast, Austin Rothbard, the new company, known as Twisted Roads, seeks to provide motorcycle rentals for those who love to ride, yet find themselves in the perfectly picturesque place to go for a ride, yet do not travel with their own motorcycles.

The Creation of Twisted Roads

While on vacation and away from his bike, he realized there have been too many times in which he in on vacation and unable to ride. Moreover, after searching to see if any motorcycles were for sale, he only found one with a thousand dollar price tag. At that point, he realized that there were probably many motorcycle riders who find themselves in similar predicaments when traveling. On the flip side, he also thought about the fact that there were probably many motorcycles just lying around, not in use, in cities across the globe. That’s when he decided to start his company to help riders find motorcycles and to help the owners of motorcycles that are hardly used, make some extra money.

Need Motorcycle Insurance?

No matter where you travel in the world, if you are a motorcycle owner, you need to make sure your bike is properly insured. Indeed, even if you spend most of your time away from home, your bike should stay insured at all times in case you decide to ride or some unexpected damages occur. That said, for those who live in Fayetteville, AR, G & G Independent Insurance is an excellent option for purchasing motorcycle insurance. Offering friendly customer service and competitive prices for Fayetteville, AR residents, simply call, email, or stop by the G & G Independent Insurance office today to find out how you can start your policy today!

Misconceptions about life insurance can cause people to shy away from obtaining this valuable coverage. At G & G Independent Ins, we can help you understand what life insurance has to offer. The first step to understanding life insurance is separating fact from fiction. Debunking life insurance myths will help you make smarter insurance choices.

Myth #1 – Life Insurance is Costly

Life insurance plans vary to suit a person’s budget and need. Premiums for a term life policy, for example, often start low and increase over time until the coverage comes to an end. Whole life insurance costs more than term life, but premiums remain constant throughout the lifespan of the policy, making it easier for you to budget for this expense. By purchasing life insurance as a young adult, you can take advantage of lower policy costs. The older you get, the higher the costs.

Myth – All Life Insurance Policies are Alike

Life insurance policies are not all one size fits all. They vary to provide Fayetteville AR residents with the kind of protection they need. In general, life insurance can be divided into two categories: term life and whole life (aka permanent life) insurance. Term life policies are designed to provide affordable insurance protection for a specified amount of time. Whole life insurance gives you consistent coverage for life. By combining aspects of each, you can customize your coverage to suit your individual needs.

Myth – It’s Difficult to Qualify for Life Coverage

Some insurers require a medical exam to verify the state of your health before approving your life insurance application; others don’t. If you want to streamline the application process, apply online. Many online companies only require general information about your health and health history to process your application.

For more information on life insurance policies and costs, contact G & G Independent Ins, Fayetteville, AR.

One of the most popular ways of making side income today in Fayetteville, AR involves asset sharing, better known in the social media circles as ride-sharing. However, while it is easy to get started, and many are making some very good second income help folks get around town, these drivers are essentially operating as independent contractors, i.e. businesses of one person. And that creates an insurance problem for drivers. The fact is, regardless of the purpose, when a car is being used for a business, it could be doing so without coverage if the driver-owner is not thinking about how his or her personal insurance will operating in such circumstances. Most auto insurance policies are for personal, private use of the car covered, not a for a business operation. And the worst way to find out this difference is after an accident or a need for coverage has occurred. Unfortunately, that is what many people who are engaging in ride-sharing are risking with every order picked up. At some point, statistically, the odds catch up, according to the experts at G & G Independent Ins.

Fortunately, the entrepreneurial types in Fayetteville, AR don’t have to go out of business or take chances. Taking out a commercial insurance policy as a sole proprietorship business or independent contractor is entirely possible and smart. The folks at G & G Independent Ins can guide you through the process and pick the right package for your specific business car need. So whether you’re a painter, ride-sharing driver, delivery service or consultant, when your car is being used for a business purpose, you will be covered.

For most people, a home is the greatest investment they have. When any unforeseen peril damages your home, you’d want to have it repaired or replaced as soon as possible. So, understanding the home insurance claim process is important in ensuring that you receive full value from your homeowner’s coverage. G&G Independent Insurance Agency provides a wide range of home insurance coverage options that extend even to your boat in Fayetteville, AR.

Perils like violent storms, grilling accidents that may cause injuries to your guests or burglar break-ins never come knocking. Everyone hopes they never occur, but if they do, here are some tips on how to handle the claim process in Arkansas.

Report to the police

If you are a victim of theft or vandalism, immediately report it to the police. Ensure you’re served with a police report and note down the names of the police officers that you speak with. Your insurer may need the details of the event later on.

Call your insurer

The next step is to give a call to your insurance agency. Ask questions like: Is the risk covered? How much time do I have to file a claim? Will the claim exceed my deductible? Sometimes, if the claim will be less than your deductible, it doesn’t make sense to go through the claim process. Also, ask how long it might take to process the claim and whether or not the insurer will require an estimate for structural damage and repairs.

Fill out the claim form as soon as possible

Once you decide to proceed with the claim, your insurer should provide you with the necessary claim forms within a specified time frame. Avoid delays by promptly filling out the forms and returning them to the insurer.

Let the insurance adjuster inspect damages

It’s a common practice for insurance companies to send an adjuster to inspect your home and determine how much the insurer should compensate. Be available to show the adjuster any structural damage. Sometimes, it’s important to take pictures of the damages if you’ll have to make emergency repairs or cleaning before the adjuster arrives. Keep all receipts of your expenditure for reimbursement by the insurance company. Your life is the most valuable asset, so if you’ll relocate to a safer location, keep the receipts of all the expenditures that go towards finding a temporary residence.

Please note that sometimes you may not agree with the adjuster’s estimates – they represent the insurance company, not you. So, always speak out your dissatisfaction to the insurer and provide the necessary evidence like receipts, structural damage inspection reports, etc. If you still fail to find a way out, consider hiring a public insurance adjuster through the appraisal process. However, in worst case scenarios, this may still not bear fruits and you may choose to take your insurer to court. If you have further inquiries about making a homeowner’s claim, contact us at G&G Independent Insurance Agency in Fayetteville, AR.