Reader’s Question:

My son has let his auto insurance lapse. He have been cancelled for non-payment over the past years. He can’t seem to find an insurance company now to insure his auto in Atlanta GA. How can he get car insurance?

Noel

Atlanta, GA

Due to your son having car insurance issues previously (non-payment, lapse in coverage, etc) he is considered a high risk motorist. For motorists such as your son that are unable to find an insurance provider in the voluntary market that will insure them, most states have high risk insurance company that will cover these types of motorists.

Typically high risk drivers in Atlanta GA have to go the Georgia Automobile Insurance Plan (GAAIP). It was created in 1949 to give auto insurance coverage to eligible high risk motorist who seek coverage and are unable to get such coverage through the voluntary market.

Eligible Georgia Automobile Insurance Plan risks are shared among companies writing car insurance in the state of Georgia. To get more information who these insurance companies are in Georgia and how your son can get car insurance in Georgia through the GAAIP so that he can insure and operate his vehicle contact the Georgia Insurance Commissioner.

Reader’s Question:

My mother bought me a car but she lives in Alabama and I live in Atlanta Georgia. Can she insure it in AL and I tag it here in GA?

Brenda

Atlanta, GA

The answer is No. The Georgia laws states that you will need to have your vehicle insured in Georgia if your registration and license plates are from Georgia. Even if Georgia did allow you to have an out of state insurance company cover your car it would likely be difficult to find an insurance carrier that would cover a car that was insured in Alabama but driven and kept out of state in Georgia.

If your name is on the title of the vehicle your mother bought for you then it should not be difficult for you to get your own car insurance on the vehicle. If your name is not on the title then there are some insurance providers that will allow you to get insurance without insurable interest in the vehicle, but it would be easier for you to place coverage on the vehicle if your name was added to the car’s title.