Frequently Asked Questions
These are some general answers to several frequently asked questions. However, they are for informational purposes only. The terms of the applicable policy determine the actual scope of the coverage. Please contact us with any additional or specific questions or concerns.

Automobile Insurance

What are the different types of auto insurance coverage?
What is collision coverage?
What does comprehensive coverage cover?
Why is there medical-payments coverage under my car insurance policy?
How can I reduce my auto insurance premiums?
If another person borrows my vehicle, do I have coverage?
Is my child covered if he/she has a learner’s permit? When do I have to add my child to my policy?
Do I need to purchase additional insurance when I rent a vehicle or am I covered?
Do I have coverage for a rental vehicle outside the United States?
What is the rental addition on my automobile policy?
I drive a company car. How does this affect my insurance?
Am I covered if I tow a trailer?
I have an older car. Do I need collision and/or comprehensive coverage?
Do I have coverage for a rental vehicle outside the United States?

Commercial Insurance

I’m just getting my business started. Do I need insurance right away?
I don’t have any major business assets. Why do I need insurance?
What types of property do I need to insure?
What kinds of events does business insurance cover?
Everybody seems to be suing everybody else these days. What if someone sues my business?
What about the cars and trucks that I have in my business? Is the coverage like what I have on my personal car?
Will I need to protect my employees in the event they are injured on the job?

General

Why An Independent Insurance Agency?
Where is Turner, Wood, & Smith Located?

Homeowners' Insurance

Are all homeowners’ policies the same?
How can I reduce my insurance premiums?
I work from home. Does my homeowners insurance cover my computer equipment?
What is renter’s insurance?
Will my child have coverage for personal items while away at college?
What is replacement cost on contents?
What kinds of perils am I protected against?
What about floods, earthquakes and other catastrophes?

Individual Health Insurance

Why do you need health insurance?
Where do people get health insurance coverage?
What are your health insurance choices?
Understanding Health Insurance Terms

Life Insurance

How much life insurance should an individual own?
What about purchasing life insurance on a spouse and on children?
Should term insurance or cash value life insurance be purchased?
How does mortgage protection insurance differ from other types?
Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?
What is the tax treatment of life insurance cash values, dividends, and death benefits?

Worker's Compensation Insurance

How many employees must I have in order to be required to provide workers’ compensation insurance?
Does this include part-time employees?
What do you mean by “regular” part-time employee?
If my business is incorporated, am I or my fellow officers considered to be employees of the business?
Can officers waive coverage on themselves?
If one or more officers waive coverage, does this exempt them from being counted in the “three or more employees” rule?
What if I am operating my business as a sole proprietorship or partnership?
How can I learn more about the law regarding Workers’ Compensation in Georgia?
Who can I talk to at the State Board of Workers’ Compensation about insurance?
How do I become self-insured?
Does being self-insured mean that I don’t have to purchase workers’ compensation insurance, and that I put the money in the bank to pay for my employee’s workers’ compensation injuries?
How do I get information regarding the Certified Workers’ Compensation Professional (CWCP) program?

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