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Everything You Need to Know

Looking for answers? Read our FAQs below.

Frequently Asked Questions

Tammie Philips Insurance Group is a local and independent insurance agency. We help all of our clients find the right insurance policy for their car, motorcycle, boat, home and much more. To make everything easier for you, we’ve compiled common queries sent to us and provided clear answers to each one. If you have a question that wasn’t listed on this page, call our home office in Cumming, Georgia or our satellite office in Panama City Beach, Florida, we would love to hear from you. 

Who should I call if I have an accident?

If you have an accident, please always call 911 immediately, especially if there are any injuries. If there are no injuries, take photos if you can. These always help with claims. Also, get all the info you can, such as the other vehicles tag info. Take a picture of their insurance card and drivers’ licenses. You may take photos of the damage to both vehicles and the street and lanes you are in as well.

If possible, move the vehicles to a safe place after you take photos. Please call us once you are safe, and we will guide you from there.

Am I properly insured?

This is a question we often hear. Our job is to review your current coverages if you are a new customer and advise you of what we think is necessary. Oftentimes, there are reasons for not going with higher coverages, and we can discuss that on a per-person basis.

How do I get business insurance?

Once you have established that you are going to start a business, you can call us right away. You will need to discuss the details with us so we can decide what coverages you will need for your new business.

When should I insure my child? 

Your children should be insured once they have their driving permit. Once a child is a household driver and is allowed to drive alone, he/she needs to be listed. Insuring kids is expensive, so things like A/B average in school, driver’s education, and college studies (if they are away at school) will give them discounts. They are always credited for good behavior, so a clean motor vehicle report (MVR) is a must!

Do you offer life insurance? 

We do offer life insurance for all ages as well as coverage for business relationships. A lot of businesses like to have keyman operator or partnership coverage, and we highly recommend it. If you are a family, you want enough coverage to leave your loved ones financially sound, having enough to pay off the mortgage or the bills until the children finish college.

Do I get a discount if I bundle my home and auto insurance? 

The answer to this question is almost always yes! Most carriers offer a nice discount if you have more than one policy with them. When possible, we highly recommend bundling to save every penny you can.

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