5 States Where You Don’t Want To File An Auto Claim

Consumers periodically have to make the decision on whether or not to make an auto insurance claim in certain states, where filing just one claim worth more than $2,000 could cause rates to jump by more than 40%. A recent Quadrant study suggests that insurance rate increases vary widely state by state, though some face jumps of nearly 70%. Massachusetts led the nation in rate increases, where drivers experience an average 67% increase in premiums after filing a claim of more than $2,000. The state was followed closely by California, with a 62% increase, New Jersey (59%), North Carolina (47%) and Minnesota (45%). The rate increases varied slightly for bodily injury claims related to auto accidents, though the same states led the pack with jumps ranging from 49% in Minnesota to 73% in Massachusetts.

Maryland drivers are the luckiest, according to the NAIC data, experiencing just a 20% increase after filing a claim. Georgia drivers can expect an increase between 29%-32%.
It is recommended that consumers need to do a careful analysis when making claims, especially if the claim is under $1,000.
If you have experienced rate increases, please contact us at 770-497-9400 or at info@talbertservices.com to see if we can reduce your premium.


Talbert Insurance Service Named IMPACT Regional Business Awards Finalist



Talbert Insurance Service Named IMPACT Regional Business Awards Finalist


May 13th IMPACT Regional Business Awards to celebrate premier organizations driving economic development and job creation

Gwinnett County (METRO ATLANTA) GA – Talbert Insurance Services has been recognized as a finalist in the IMPACT Regional Business Awards.

Presented by BB&T and hosted by the Gwinnett Chamber the IMPACT Regional Business Awards will honor and celebrate exemplary organizations from the community at a luncheon ceremony on Thursday, May 13 from 11:30 a.m.-1:30 p.m. at the Gwinnett Center.

Dedication to service makes people excellent, and I have surrounded myself with excellent people.

They are the reason that we are a finalist for this award. – Larry Talbert

Designed to be reflective and unique to Gwinnett and across the metro Atlanta area, the IMPACT Regional Business Awards recognizes best-in-class organizations in the following areas:

  • Builder
  • Education
  • Entrepreneur (Established and Pre-Venture)
  • Healthcare
  • Hospitality
  • Information Technology
  • International
  • Nonprofit
  • Service industry
  • Small business

An overall Impact Regional Business Awards recipient will be selected from one of the above category winners.

“The IMPACT Regional Business Awards celebrate premier organizations in critical industries that are driving economic development and job creation, while enhancing our quality of life,” said Dr. Dan Kaufman, President & CEO of the Gwinnett Chamber. “They represent the creativity, determination, and engagement of our business community and are examples of the enormous contributions of Gwinnett businesses and their employees.”
Contact Gwinnett Chamber Programs & Events Manager Cally D’Angelo at 678.957.4958 or CDAngelo@GwinnettChamber.org for partnership opportunities or with questions.


Joshua Edwards | 678.812.2539 | JEdwards@TalbertServices.com

PROGRAM CONTACT Cally D’Angelo |678.957.4958 |cdangelo@gwinnettchamber.org

ACA News: What’s coming next – provisions for 2015 and beyond

Reprinted from BCBSGA Healthcare ReformHealthCare News

The Affordable Care Act (ACA or health care reform law) has not only changed how we do business, but it has also changed the way most other companies do business. Now employers are responsible for complying with the law’s provisions. Most of these provisions took effect in 2010. But others are still planned to roll out between now and 2018.

2015 Starting in 2015, employers with more than 100 full-time employees or a combination of full-time and full-time equivalent (FTE) employees must offer minimum essential coverage to 70% of their employees and their employees’ children. Coverage must be affordable and of minimum value. (Minimum value means the plan covers at least 60% of covered health care costs.)

2016 Most states already consider a small group to be one with 2-50 total employees. Starting January 1, 2016, a small group will be redefined as having from 1-100 total employees.

Employers with 51-100 full-time employees or a combination of full-time and full-time equivalent (FTE) employees will be required to offer minimum essential coverage. Coverage must be affordable and of minimum value. Employers will be subject to penalties if they provide no health coverage to full-time employees or provide coverage that is not considered “affordable.”

In 2016, employers with 51 or more full-time employees must offer coverage to 95% of their full-time employees and their employees’ children. The coverage must be affordable and of minimum value.

We have employer checklist available for both Small Group and Large Group.  If you you would like a copy, please contact us at info@talbertservices.com and specify which checklist you would like.

10 cities with the highest premium increases after a DUI

 We have Memorial Day and 4th of July festivities coming up in the near future, which inspire many of us to consume various libations. We need to remember that getting behind the wheel afterwards can become expensive. Insurance premiums can jump dramatically after a single DUI offense.

Not only do most states require SR-22 documentation, as proof of automobile insurance following a drunk driving conviction, but insurance rates will remain high until the conviction is removed from your record, typically January 1 of the fourth year after the incident. On average, a DUI conviction will cause premiums to increase by 92% in the United States, although actual increases vary widely by state.  For instance drivers in North Carolina can expect to see a 337% increase in their car insurance costs, for example, while their counterparts in Maryland will only have a 15% surge.
The cities with the highest increases include:

  1. New York
  2. San Francisco
  3. Washington, D.C.
  4. Syracuse, N.Y.
  5. Atlanta
  6. Chicago
  7. Denver
  8. Boston
  9. Savannah, GA
  10. Urbana-Champaign, Ill.

DUIs are the violations that cause the highest jumps in insurance premiums, followed by reckless driving and speeding more than 31 MPH over the limit.

Health Insurance Special Enrollment


The Health Insurance Marketplace is providing individuals and families, who did not have health insurance coverage in 2014 and owe the fee when they file their 2014 taxes, with one last chance to get covered for 2015.

The Special Enrollment Period began on  March 15 and ends on April 30. During this time, you’ll have the opportunity to enroll in health coverage for 2015 if you owe the fee.

It is important to note that the fee for people who don’t have coverage increases in 2015.  If you don’t have health coverage for 2015, the fee is $325 per person or 2% of your household income – whichever is higher.

We hope you take advantage of this extended opportunity to get quality coverage this year.  Please contact us at info@talbertservices.com if you want help in getting health coverage for 2015.

Home based businesses at risk of costly insurance surprises!

Home BusinessIn today’s economy more Americans are running business out of their homes.  According to the SBA and US Census, more than half of the 28 million small businesses are home based.  Most of those businesses are at risk, because of their misconception that they are covered by their home insurance policies.  Business owners don’t discover that they are not protected until a major incident happens and puts their personal finances and business at risk.  When it comes to insurance, what you don’t know definitely can hurt you.  If you operate a business out of your home, check your homeowners’ policy to see what is and isn’t covered.  We have available General Liability policies for most home based businesses that are very affordable and provide protection in and away from your home office.

CMS Announces Special Enrollment Period for Tax Season

Although the Open Enrollment period for health insurance ended February 15th, the Centers for Medicare & Medicaid Services (CMS) has announced a special enrollment period (SEP) for individuals and families, who did not have health coverage in 2014 and are subject to the fee/tax or “shared responsibility payment” when they file their 2014 taxes in states, which use the Federally-facilitated Marketplaces (FFM). This special enrollment period will allow those individuals and families, who were unaware or didn’t understand the implications of this new requirement, to enroll in 2015 health insurance coverage.


For those who were unaware or didn’t understand the implications of the fee for not enrolling in coverage, CMS will provide consumers with an opportunity to purchase health insurance coverage from March 15 to April 30.  If consumers do not purchase coverage for 2015 during this special enrollment period, they may have to pay a fee when they file their 2015 income taxes.


For more information, contact us at info@talbertservices.com or call 678-812-2523.

Halloween Safety Checklist

Halloween is around the corner, are you ready for the holiday? Costumes and candy are what the holiday is all about, but you may want to keep a few things in mind to keep the ghoulish festivities from turning into a real nightmare.

  1. Watch out for trick-or-treaters while you are driving tonight. Swerving to avoid all the people running around on the streets and neighborhoods is a real concern. Make sure that you slow down and be prepared to slam on the brakes if someone jumps into the road.
  2. Kids and their parents will be running around all night, but you could be held liable if someone hurts themselves on your property. Your home policy includes coverage for people hurt on your property under the liability section, but keeping pathways well lit can avoid these type of claims.
  3. Treats are a big part of Halloween, and so are tricks. If you are the victim of some holiday pranks, then rely on your home and car policies to clean up the vandalism.
  4. Everyone loves spooky candles and lighting for decorations, but these can pose serious fire hazards. Be careful around lit decorations and keep a fire extinguisher close at hand in the event that something catches fire.
  5. Some decorations can be expensive and, therefore, a target for thieves. All the commotion around the holiday can be an invitation to burglars, so make sure your belongings are adequately covered from theft.

Here is our holiday checklist to keep you safe this October 31st: (more…)