Mall Parking Lots

"Those who cannot remember the past will spend a lot of time looking for their cars in mall parking lots!" (Jay Trachman) But what happens when someone does find their car in a mall parking only to see that it has been severely damaged by a hit-n-run driver? What if the person does not have collision coverage? Such was the plight of Ruben last Saturday leaving Town Center Mall. Calling, dejected from the Mall Parking lot I was able to assure him that since the damage was caused by another vehicle and not a shopping cart that we could classify the claim under his uninsured motorist coverage. What was more relieving to Ruben was we wrote this coverage with no deductible. So while you may forget where you parked your car you'll remember how the Schlosser Agency took care of you!

When 2 Becomes 5

No we're not talking about if you have triplets! We're announcing that effective 12/01/11 the Auto/Life Discount on American Family Auto policies is going from 2% to 5%! Another great reason to have life insurance with your auto insurance provider. Call for questions (770) 250-1990!

Don't Worry Too Soon!

We periodically get calls from worried parents of 15 year olds saying, "So now that our son has his learner's permit, how much is my rate going to go up?" I luckily get to respond, "NONE!" Individuals that have their learner's permit would be covered, heaven forbid they were in an accident, by the insurance of the person supervising them in the car. Now you will experience a rate increase once they get their license, but no need to worry too soon! What should be the emphasis is for them to get good grades, because then they will qualify for a good student discount.

Are You Prepared?

Baden Powell the founder of Boy Scouts said, “A Scout is never taken by surprise; he knows exactly what to do when anything unexpected happens.” My adage, “the unexpected always happens, expect it.” Someone will get in a car wreck at the MOST inconvenient time and it will most likely not be their fault. That is why Rental Reimbursement at the cost of approximately $1 a week can be a true time & money saver. A wreck that would otherwise leave an individual stranded 7 hours away from home now places him at Enterprise Rent-a-car 7 miles away. The rule of thumb is, if the car is sound enough to go on a long trip it makes financial sense to add rental reimbursement. I’m a great referral for a Know-it-All Friend who has more than one car. He’ll tell me, No Tommy, I don’t need that coverage until he hears the story that triggered this info-minute. Connect us through a three way e-mail and he’ll reply with a Thank You.

Rental Cars & Insurance - Part 2

Unlike some other States, if you drive a vehicle with no comprehensive or collision coverage in GA the Insured's Insurance company (the guy that hit you's company) is NOT obligated to pay for the additional insurance on the rental car. Now some companies out of courtesy or because of practices in their other states may offer it, but they are not required to do so. Now because your car has already been in an altercation it would be unethical to add coverage to your vehicle till it is out of the shop... so what are you left to do in this situation? Buy the Insurance! The coverage in this case that you should be most concerned with is called Collision Damage Waiver or simply Damage Waiver. This covers the physical damage to the rental car.

Backpacks for Kids 2011

In the economy, many will struggle to buy school supplies for their kids. Let's make sure every kid in Atlanta has what they need this August.

Please Donate:
One backpack filled with five things: Notebook paper, 3 ring binder (1/2"), pencils, pencil carrier, & pencil sharpener.

If you are not able to donate all of those things, bring what you can and we will make it up. All backpacks will go to Cobb and Fulton county schools.

For Directions

Frequent The 400?

Do you frequent the Toll Booth on GA 400? If you plan to do so tomorrow, Saturday (07/16/11) between the hours of 10AM and Noon your toll will be paid, THANKS to American Family Insurance! One way we are helping share the dream... http://bit.ly/mHb6bo

How Much Does a Speeding Ticket Cost?

A buddy of mine called for a quote on auto insurance. He recently had a moving violation. As I was going through different coverage options with him when he said, "Does that price include my ticket?" It actually did not. In all the changes I had momentarily erased it, so at some point the figures I was quoting him did not reflect that. Adding the ticket back, the price went up $5 a month. To some people that may not seem like a lot, but a ticket is chargeable for three years, so calculated over time that is $180 or enough to buy a Suede Crocodile-Embossed Case for your iPad from Neiman Marcus. What iPad you say? The one you bought with the savings from having homeowner's insurance with us!

The numbers I quoted my friend were based of several factors which might be different for you. He was just covering liability on his policy so $5 would be low if you were considering comprehensive and/or collision. It would also change if you had a newer or bigger car. Bottom line: tickets increase the cost of your insurance, sometimes more than you realize.