Reader’s Question:

I made the payment for the full year on my car insurance and I got into an accident recently and my vehicle is unable to get fixed so my automobile insurance was cancelled. Do I get a refund from my car insurance company in Atlanta Georgia for the amount that I have not used in my car insurance payment?

Brandon

Atlanta GA

Yes, of course! Since you made a payment for the full year and your car insurance has been cancelled since you do not a vehicle to place the car insurance on, you may be able to request for a car insurance payment refun from your car insurance carrier in Atlanta Georgia for the months of car insurance that you paid in advance and will no longer be using.

If you are going to buy a new vehicle so you can replace the vehicle that can no longer be fixed due to an accident, then I suggest that you cancel your automobile insurance but you need to transfer it over to the replacement automobile.

Tags: auto insurance, car insurance cost

Reader’s Question:

I have an SUV and got rear ended by a cab driver. His insurance company only wants to give less than twenty dollars for my rental car a day. This is not enough to rent the same car I use everyday, so what do you think I should do? I live in Atlanta Georgia.

Jack

Atlanta, GA

Your own auto insurance policy in Atlanta Georgia generally has a rental vehicle allowance to provide you transportation while your car is being repaired. If your vehicle is beyond repair then the rental vehicle period might continue while you are in the process of negotiating the settlement for the car.

In your case, the driver who was at fault has the responsibility to give you with whatever you need to be in the same situation you were before the accident. They may try to negotiate for the amount and provide a set limit, however you have the right to require them to provide you with the same situation you had before the accident. You have the right to sue the at fault party which may be the Taxi company, including the insurance carrier that is representing them.

If it is important for you to rent a bigger car then you may try negotiating the extra cost for this with the insurance carrier. If you want to verify if there are any state guidelines for this case, you can try contacting the consumer division of your state’s insurance regulatory body.

Tags: auto insurance, rental car insurance