January, 2019 | Blog
Schedule A Review Click to Call
The Sanford Group

10150 Ball Ground Hwy,
Ste 101,
Ball Ground, GA 30107

Get Directions

  P.O. Box 374
Ball Ground, GA 30107

The Sanford Group Insurance Blog

Why Distracted Driving is a Bad Idea

When you answer a text or take a call while driving, you might not equate it to driving home tipsy or otherwise impaired. However, the statistics prove that distracted driving is just as dangerous as driving under the influence of drugs or alcohol. If you have questions on how distracted driving can impact your insurance eligibility in Ball Ground, GA, the insurance professionals at The Sanford Group can help. In the meantime, here are some sobering statistics and valuable information on how to prevent distracted driving.

The Facts and Stats

Mobile devices are convenient and popular inventions that help you stay connected to friends, family and clients. However, using them while driving can result in an accident or worse. The most recent statistics paint a grim picture of injuries and deaths that are 100 percent preventable.

Every day, nine people die and over 1,000 are injured in incidents where at least one of the drivers is distracted, according to the CDC.

The National Highway Traffic Safety Administration reported 3,477 deaths and about 391,000 injuries in 2015 crashes involving distracted driving. Further, the NHTSA stated that 660,000 drivers use cell phones and other electronic devices behind the wheel. 

Handheld cell phone use is highest among 16-24-year-olds, per the National Occupant Protection Use Survey.

What You Can Do

If your teen or young adult children are new drivers prone to texting while driving, give them a clear message that this is not a safe practice.

For young drivers preparing for their driver’s text and exam, candidly discuss what can happen if they look away from the road for even a few seconds. Make it clear it’s not just their life, but someone else’s that could be at stake.

More importantly, lead by example. It hardly sends the right message if you’re texting behind the wheel while cautioning them not to.

Georgia Law

While some states have an outright ban on cell phone usage while driving, Georgia law takes a looser stance. It does restrict the use of cell phones for new drivers as well as school bus drivers.

Contact agents at The Sanford Group in Ball Ground, GA with any questions you may have on auto insurance or to schedule an appointment for a quote.



What to Expect if Your Home Owner’s Insurance Lapses

Home owner’s insurance is one of the most important expenses you have each year. In many cases, it is against the law not to have insurance on your home. However, for various reasons, people do sometimes let their policy lapse. This can happen for a number of reasons, but it is important for you to understand the consequences of a lapsed home owner’s insurance policy. 

Why Does Home Owner’s Insurance Lapse?

Your insurance can lapse for a few reasons. Most commonly insurance lapses because someone simply does not pay their premiums on time. Another reason, though, could be that physical changes took place to the property causing it to no longer qualify for coverage. These types of changes are often associated with the safety of the home. The other most common reason is that you allowed the policy to expire without getting a new one. You must renew your policy before the expiration date. 

What Will Happen If My Insurance Lapses?

The most critical thing which happens is that your home will not be covered in the case of an incident. So if damage occurs to the home during the lapse the repairs will come out of your own pocket. In the event of major damage such as a fire, or flood or storm damage this could be financially disastrous to your family. Also, in the event that someone is injured on your property, you are the liable party. 

Another critical thing that happens when you allow your insurance to lapse, is that in the future your rates will be significantly higher than normal. This is because once you have allowed policy to lapse you are then viewed as an insurance risk. It may also be difficult to secure a new policy. 

If you would like to talk to an insurance representative about home owner’s insurance please call our friendly staff at The Sanford Group in Ball Ground, GA. 

Additional Services

  • Identity Theft
  • Data Backup
  • Special Event Insurance
  • Specialty Auto Insurance
  • Rental Reimbursement
  • Towing
  • Medical Payments Coverage
  • Minor Violation Forgiveness
  • Roadside Assistance
  • Individual & Family Health Insurance
  • Group Health Insurance
  • Long-Term Care Insurance
  • Medical Expense Insurance
  • HSAs
  • Other Services
    • Permit Services
    • License Services
    • Notary Services

Partner Carriers

  • AAA
  • American Collectors
  • American Modern
  • AmTrust
  • Bristol West
  • Dairyland
  • Donegal
  • Encompass
  • Foremost
  • Grange
  • Guard
  • Haulers
  • Heritage
  • Infinity
  • Mercury
  • MetLife
  • Nationwide
  • NCCI
  • Progressive
  • Safeco
  • Travelers
  • Zurich