Hello Insurance, LLC.

09/22/2025

Shana Tova! 🍯🍎
Wishing all of our wonderful clients a sweet, healthy, and successful New Year.
May New Year bring you and your loved ones joy, peace, and prosperity.
Thank you for your continued trust and support — we look forward to serving you in the year ahead!
שנה טובה ומתוקה!

06/29/2025

Insurance Tip: Protect Your Rates — Keep Roadside Claims Off Your Policy

Many drivers don’t realize that using roadside assistance through your insurance can count as a claim, even for minor issues like towing or jumpstarts. These claims can impact your rates over time.

The better option is to purchase roadside coverage like AAA separately, not through your insurance. Right now, AAA is offering 50% off memberships for the 4th of July holiday — a smart, affordable way to avoid unnecessary claims.

If you have questions, feel free to contact me.

Office: 770-689-4778
Mon-Friday: 9AM- 6PM

Exclusive AAA 50% discount on memberships! Limited time offer to save big on AAA member benefits like road assistance, travel and shopping deals, plus more.

04/13/2025

Dear Customers,

I want to share some important information about insurance laws in the U.S., especially for those who have recently immigrated.

If you have someone living in your house who has a driver’s license and access to your car, they *must* either have their own insurance or be included on your policy. In America, we insure the *person*, not the car — because cars don’t drive themselves, people do.

Anyone who intends to drive must be insured. If they are not listed on a policy **or** don’t have their own insurance policy, even driving a few feet is illegal and can lead to serious legal problems.

Unfortunately, I’m seeing more and more cases where friends or family give bad advice, posing as experts and leading others into costly mistakes that can stay on your record for years. You have no idea how many times I’ve heard clients say: *“Yana, but the car is insured, why can’t my cousin drive it?”* Please don’t rely on hearsay. Trust licensed experts — or, if you prefer, research using Google or AI. Just because someone has lived in the U.S. for years doesn’t make them an expert. I’ve met many people who don’t even know their own coverage levels — meaning they don’t actually understand what protection they have.

We have several agents in Atlanta ready to help answer any questions you may have. Stay informed and protected!

Have a great day, everyone!

12/25/2024

May your Christmas be filled with hope, joy, peace and happiness! Be blessed!

11/24/2024

Thanksgiving is Almost Here!

As we prepare for the holiday, here at Hello Insurance, we want to take a moment to say a heartfelt **thank you** to our amazing customers. Your trust and support mean everything to us, and we’re so grateful to be part of your lives.

Wishing you a Thanksgiving filled with love, laughter, and all the things that make this season special.

11/24/2024

Why in America We Insure the Driver Before the Car.

When it comes to car insurance, many people assume it’s all about the car. But the truth is, we insure **the person behind the wheel first**—and here’s why:

🚗 Drivers are the Biggest Risk Factor: Insurance is based on risk, and the primary risk in auto insurance is the **driver’s behavior and history**—not the car itself. That’s why your driving record, age, experience, and habits are key in determining your rates.

👨‍👩‍👧‍👦 Why Every Driver Needs to Be Listed:
Every person in your household who may drive your vehicle must be listed on your policy. This isn’t just a formality—it’s a legal and ethical requirement:

1️⃣ Transparency Matters: Insurance companies need to know who’s driving the car to assess risk accurately. Failing to list all drivers could result in claims being denied if the unlisted driver gets into an accident.

2️⃣ Protecting Everyone: If an unlisted driver is involved in an accident, you could face financial consequences that might not be covered by your insurance. Listing everyone ensures that **all drivers and your assets are properly protected.**
Additionally, law enforcement has the right to confiscate your vehicle and have it towed to a storage yard, resulting in daily storage fees, fines, and a mandatory court appearance.

3️⃣ It’s the Law: Omitting drivers can be seen as insurance fraud. Policies are written to cover specific individuals, and failing to disclose who’s behind the wheel could lead to cancellations or even legal issues.

The bottom line: Car insurance protects both the driver and the vehicle. By listing all drivers, you’re ensuring peace of mind for yourself, your family, and others on the road.

If you have questions about your policy or need help getting the right coverage, reach out—we’re here to help!

12/15/2023

**Home or Auto Insurance Claims: When to Act, When to Wait**

Filing a car or home insurance claim isn't always clear-cut. The fear of higher premiums often leads to hesitation. Here's a breakdown:

**Cost vs. Deductible**

Consider repair costs against your deductible. If they're close, paying out of pocket might save you from future premium hikes caused by small claims.

**When to File**

For significant damages beyond your means or incidents like major accidents or natural disasters, filing a claim is the practical choice. Your home is one of your major financial assets therefore protecting it is very important.

**Premium Impact**

Filing claims can raise premiums long-term. Assess if the claim amount outweighs potential premium increases over time. Claims, depending on severity and the payout, can stay on your record from 3-7 years. So please think before you file!

**Unique Situations**

Every scenario is different. Policy terms, history, and insurer policies play a role.
If you filed a claim before, be careful filing another one. Most of the carriers on the market do not accept more than 3 claims and will deny you coverage.

**Final Considerations**

Balancing immediate relief and long-term premiums is crucial. Evaluate costs and policy terms before deciding. Smart choices can ease future financial strain.

If you have any questions or concerns, feel free to reach out to me and schedule a consultation. I’ll be happy to help you understand your options. (561)235-4334

12/03/2023

Dear valued customers,

We extend our warmest wishes for a joyous Christmas and a prosperous New Year. May you be blessed with good health, happiness, and abundance. Your loyalty, commitment, and support mean a lot to us as we continue to grow.

Your invaluable contribution has enabled our growth, allowing us to provide the best rates in the market. We are committed to ensuring your satisfaction and well-being through our dedicated efforts. Thank you for being an important part of our success story!

07/14/2023

04/06/2023

Happy birthday to all our customers who were born in April!

03/18/2023

Why withholding the truth hurts both the client and the agent

1. Knowing about your house: age of roof, water heater and other systems helps get better rates and not get cancelled.

Insurance companies do a drive by your house or send a drone to check if the house is in the exact same shape as described and if roof’s age and other systems such A/C systems are correctly noted in the application.

2. Prior claims.

Telling your agent you have no prior claims (whether it’s home or auto) will only make you look bad. Agents have to run the reports to get the final pricing and those reports do show whether you’ve filed a claim before or not.
**Please do not lie to your agent, because you will feel embarrassed when we start telling you why your insurance is higher than normal and why some carriers have denied you coverage altogether.

3. Staying with the same insurance carrier helps you get better rates.

Yes, it’s true! Insurance companies do know, care and appreciate it when you stick with the same carrier for 3-5 years and they keep track of your time with prior carriers. It shows them if you are stable or if you are just looking for a rate and they do offer better rates based on your longevity with the prior carrier.

4. Share with us your current policies.

Agents are busy helping customers and our work consumes a lot of time to create a quote. It’s not just plugging in your name and address and getting a rate. It’s many different factors that go into creating an application that will deliver the results. Having your current (existing) policy on hand, helps your agent create a customized proposal and save you money. Whenever you are ready to have your policies reviewed, whether it’s home, auto, or business, please let me know, I’d be happy to work with you to help you save money and have the best protection for your assets.
(770)331-1899
Joana De Moraes

03/10/2023

"I have full coverage" is an expression I often hear from clients who don't really understand what it means.

Understanding your insurance coverage is vital in protecting your finances. In Georgia, the state minimums (25/50/25) mean $25,000 per person for bodily injury, $50,000 total payout for accidents, and $25,000 for property damage.

However, 'full coverage' doesn't cover all costs. A hospital stay alone can be expensive, and severe injuries can lead to hefty expenses beyond these limits, potentially risking your assets like your home or savings.

A knowledgeable insurance agent can assess your situation and explain the right coverage for you. For a free policy review or questions, feel free to contact me. I'm here to help.

Yana 561-235-4334
Monday-Friday 9-17:00.