Rental Automobile Insurance Atlanta Georgia
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.
Auto Insurance Claims Atlanta Georgia GA
Reader’s Question:
If I have been in a car accident and it is the other party’s fault, Can I sue the other driver’s insurance company and my insurance company in Atlanta GA?
Halley
Atlanta, GA
Typically there are provisions in your auto insurance policy about your ability to request arbitration or sue. You need to read through your insurance policy, and check if there are any evaluation provisions or special limitations to sue your own insurance carrier in Atlanta.
It is not necessary to sue typically in order to be properly compensated. Many states enact laws to limit lawsuits related to auto accidents. For instance, no-fault laws are created to guarantee person’s insurance policies cover them regardless of fault in an accident.
Most auto insurance claims are settled without using a lawyer in Atlanta. Parties involved in an auto accident may face civil liability, criminal liability or both. The state usually starts a prosecution only if anyone is severely injured or killed, or if one of the motorist involved was clearly grossly negligent or driving while intoxicated or otherwise impaired at the time the accident happened.
Business Auto Insurance Atlanta Georgia
Reader’s Question:
We are starting our own business and we are trying to figure out what are the requirements for having business insurance on the vehicle in GA.
Cook
Atlanta, GA
The requirements for having business car insurance on a car may vary according to state laws and insurance provider guidelines.
You should select Business Use car insurance if your car is regularly used for occupational responsibilities, such as traveling between locations for business appointments or sales calls.
Usually with a business auto insurance policy the named insured is the business. Normally automatically included as insured’s are: employees; owners of borrowed cars; anyone using the business car with permission. A leasing company or bank with an interest in an insured car may be included as an additional insured.
Car Insurance Rates Athens Georgia
Reader’s Question:
I received a OUIL in Michigan almost five years ago and have had no violations since. I now live in Georgia, should I tell this conviction to an insurance company when applying for car insurance?
Sullivan
Athens, GA
Operating under the influence of intoxicating liquor or OUIL has now been renamed as OWI meaning operating while intoxicated.
In Michigan OWI is a misdemeanor unless charged as a 3rd offense within 10 years, in which case it’s a felony.
Now that you are living in Athens, Georgia an insurance provider can still access your Michigan driving history so you will need to tell this old conviction if asked for violations on your auto insurance application. If you do not mention this and the insurance provider finds out about this OWI then your car insurance quote would be inaccurate and need to be recalculated including this violation. If you have already received your car insurance policy and this offense is later found out about then it could be considered that you misrepresented your driving history which may be considered fraud.
Tags: auto insurance, traffic violation
Seat Belt Ticket Macon Georgia GA
Reader’s Question:
In Macon, Georgia how much is a seat belt ticket?
Taylor
Macon, GA
The state of Georgia is a primary enforcement state, meaning that law enforcement officers are authorized to pull motorists over solely to issue a seat belt ticket.
If a child is not wearing a seat belt, the penalty is about a $25 fine. Children under the age of six are required to be in an weight/age appropriate child restraint or booster seat. The failure to belt a child under the age of six is around a $50 fine.
Generally fine amounts can vary according to the jurisdiction you are ticketed due to court costs, etc in so if you have been ticketed for driving without a seat belt I suggest that you contact the court listed on the ticket.
Tags: traffic violation
Leased Car Insurance Atlanta Georgia
Reader’s Question:
What will be the consequences for driving with no insurance on a leased car? Can the vehicle company repossess your car if you have no insurance on your leased car? I live in Atlanta Georgia.
Grey
Atlanta, GA
The consequences for driving uninsured on a financed or leased car will depend upon state laws as well as the terms of your lease. Laws vary by state but generally most state laws permit for a lien holder to repossess a car if you fail to uphold your part of the lease or loan contract.
Some lien holders will not take back the vehicle but will add these charges to your payments. This type of insurance will not be cheap and the cost will be added to your payments normally, as permitted by law and the terms of your loan or leased paperwork.
To check the specific consequences you may face from your leasing company for not carrying insurance, meaning both state liability as well as physical damage coverages of comprehensive and collision, speak with the financial institute the lease is through or read through your leasing document.
Auto Insurance Lapse Atlanta Georgia
Reader’s Question:
My daughter lives in Atlanta GA, He had a Kentucky driver’s license but she has lost it. She had an accident and had let her insurance lapse. What kind of penalties she will be facing?
Arthur
Atlanta, GA
It will depend what all your daughter was cited for as to what penalties she will face. If she was found to be driving uninsured and without a license and was at-fault in an accident her penalties might be harsh.
In Kentucky, for a first violation of driving uninsured you must go to court and be imprisoned for not more than ninety days and can be fined between $500 to $1000 or both. Your Kentucky license plates and motor vehicle registration can be suspended for 1 year or until proof of auto insurance is presented. You also could lose your drivers license for up to 1 year.
To verify for sure what penalties she will be facing, if your daughter was cited for the above violations, she can call the court listed on her ticket and also check with the GA Department of Motor Vehicles.
Cheap Teen Car Insurance Atlanta Georgia
Reader’s Question:
My teenage daughter is 18 years old and still resides with me in Atlanta, my question is :can she drive your car without being listed on your auto insurance? A friend for example borrows your vehicle and gets into an accident, was it legal for them to drive your vehicle because you gave them permission? Therefore will your insurance provider cover costs incurred minus your deductible?
Michelle
Atlanta, GA
Most insurance companies in Atlanta require you to list all of your household residents. With those who are licensed (or of driving age), your insurance company will give you the choice of listing them as ‘eligible’ to drive or ‘excluded’ from driving. If they are listed as ‘eligible,’ they will be rated against your policy’s premiums. If they are ‘excluded,’ they will not be rated against your policy’s premiums; however, you are accepting full responsibility if you let them drive – even once and no matter the circumstance. Now, the example you provided is an entirely different issue. Also household residents, your insurance provider wants to know who will be driving your car with any frequency or regularity. If someone is going to be driving your car with any regularity or frequency, that individual will need to be listed as an ‘eligible’ driver on your car insurance policy. The insurance carrier will cover someone who does not reside with you and you let that individual drive it for a ‘one-time’ thing.
Car Insurance Georgia
Reader’s Question:
If I have a license in Georgia and received a ticket in the state of VA, can the points be accessed on my Georgia license?
Andrew
Atlanta, GA
Although Georgia is not part of the Drivers License Compact (DLC) which VA is a part of Georgia still has agreements with other states to share ticket information and receive in information on its licensed motorists infractions out of state.
According to the GA Department of Driver Services (DDS) points could be accessed to your GA driving record after a infraction of a Virginia traffic ticket since they will be informed by the Virginia courts or see it when they connect to the National Registry.
So if you are convicted of the VA traffic ticket it will go on your GA driving record and points could have assigned to it. It will likely depend upon if the offense is points worthy in Georgia or not. If it is an infraction that normally is assigned points in GA then it will most likely be assigned points even the violation occurred out of state.
Atlanta Car Insurance Rate
Reader’s Question:
I know that you should add someone in you insurance policy if they use your car more than regularly. But what are the consequences of them being involve in an accident and not having them listed on your policy? I have a friend that borrows my car, and we are living in the same household but if I add him to my insurance policy, my insurance rate goes up a lot and its so unreasonable! We live in Atlanta GA and I would like to know what will happen if he damages my car and he is not added to my policy?
Mike
Atlanta, GA
Generally, the consequences of not adding a household member to your insurance policy when it is required by your insurance company is that if he get involve in an accident while using your car they would deny claims since he was not a motorist on policy and therefore you were not paying premiums for him to covered to drive your car. We have heard of some insurance companies that will cover a household member that was not listed on the insurance policy.
Most insurance companies and state laws require you to add all licensed household members on your policy and either add them as motorists or exclude them. It does not appear that in Atlanta GA you could totally exclude your roommate from your policy, only from collision and comprehensive coverages.
Georgia law states that car insurance fraud happens when people knowingly misrepresent pertinent facts to an insurer or agent to get a policy or collect money to which they are not entitled. Removing a licensed household member from your insurance policy is a misrepresentation of facts and is considered soft fraud. Any form of car insurance fraud is a serious crime in Atlanta GA that can lead to possible jail time and heavy fines.
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