Frequently Asked
Questions

A captive agent works exclusively for one insurance company and can only offer that company's products. An independent agency like Terrell Starr Insurance Agency works with multiple carriers, giving us the flexibility to compare coverage options and rates from several companies to find the best fit for your specific needs and budget. This means more choices and better value for you.

We are headquartered in Forest Park, Georgia, and primarily serve clients in the greater Atlanta metropolitan area, including Clayton County, Fulton County, DeKalb County, and surrounding counties. We are licensed to serve clients throughout the state of Georgia and can assist clients in neighboring states on a case-by-case basis.

You can request a quote through three convenient methods: (1) Complete our online quote request form at terrellstarrinsuranceagency.com/request-a-quote, (2) Call our office at (404) 366-5311 during business hours, or (3) Visit our office at 671 Forest Parkway, Forest Park, GA 30297. We typically prepare quotes within one business day and will contact you via your preferred method.

Absolutely — all quotes from Terrell Starr Insurance Agency are completely free of charge and carry no obligation whatsoever. We encourage you to compare our quotes with other agencies. Our goal is to earn your business through competitive pricing and superior service, not pressure tactics.

The information needed varies by coverage type. For auto insurance, you will need vehicle information (year, make, model, VIN), driver information, and current coverage details. For home insurance, you will need property address, year built, square footage, and construction type. For business insurance, we will need your industry, number of employees, annual revenue, and business location. Our agents will guide you through the process.

We offer a comprehensive range of personal and commercial insurance products including: Auto Insurance, Home Insurance, Renters Insurance, Life Insurance, Business Insurance, Commercial Property Insurance, General Liability Insurance, Workers' Compensation Insurance, and Umbrella Coverage. We also assist with specialty coverage needs on a case-by-case basis.

The right amount of coverage depends on your individual circumstances, assets, income, and risk tolerance. Georgia requires minimum liability limits for auto insurance, but minimum coverage is rarely sufficient to fully protect your assets. Our agents conduct a thorough needs analysis to recommend appropriate coverage limits based on your specific situation. We always explain the trade-offs between higher coverage and premium costs.

Umbrella insurance provides additional liability coverage above and beyond the limits of your existing auto, home, or business policies. For example, if your auto policy has $300,000 in liability coverage and you are involved in an accident resulting in $800,000 in damages, your umbrella policy would cover the remaining $500,000. Umbrella coverage is particularly valuable for homeowners, business owners, and anyone with significant assets to protect.

Yes. In Georgia, employers with three or more employees are generally required to carry workers' compensation insurance. This includes both full-time and part-time employees. Failure to carry required workers' compensation coverage can result in significant fines and legal liability. Our agents can help you understand your specific obligations and find compliant, cost-effective coverage.

For non-emergency claims, contact our office at (404) 366-5311 or email president@terrellstarrinsuranceagency.com and we will guide you through the claims process with your carrier. For emergency situations, you may also contact your insurance carrier directly using the claims number on your policy card. We act as your advocate throughout the claims process to ensure a fair and timely resolution.

After ensuring everyone's safety and calling emergency services if needed: (1) Do not admit fault at the scene, (2) Exchange insurance and contact information with all parties involved, (3) Document the scene with photos, (4) Obtain contact information from witnesses, (5) File a police report if required, (6) Contact our office or your insurance carrier as soon as possible to report the claim. Prompt reporting helps ensure a smoother claims process.

Yes, most insurance policies can be modified after issuance. Common changes include adding or removing vehicles or drivers, updating coverage limits, adding endorsements, or changing your address. Some changes may affect your premium. Contact our office at (404) 366-5311 and we will process the changes with your carrier. Some modifications may require underwriting review and approval.