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.

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.

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.