I am Dwayne and I am 59 years old now and will become a senior citizen in a few months. When I approach 60, will I still be able to get insurance for my automobile here in Atlanta, Georgia?

Dwayne

Atlanta, GA

Dwayne, I know what’s going on your mind right now. Probably, you’re thinking you’re not insurable anymore the moment you hit 60. Or if you can get insurance at all, you’re probably thinking you’re car insurance rate will eat your pension away. Well, Dwayne, let me tell you something to lift your spirits up. Senior citizens are among the least risk rated drivers. As you know, something that comes with age is driving experience. Compared to a teenager driver, I will trust an old yoke anytime, any day. Another good thing about seniors is they would be more observant of road traffic rules. Always remember, Dwayne, as long as you can drive, you are insurable.

To save money, try to get quotes from all insurance companies servicing Atlanta, Georgia. Or for faster results, the internet has almost all information about auto insurance. You can also get quotes through the internet. A lot of insurance companies give discounts if you drive less than 10,000 miles in a year, so take note of that. If you have more than one car, insuring them with one auto insurance company will also get you more discounts. No one will stop you from driving if you are healthy, so it is important to stay healthy. I mean, why punish yourself by trying to drive in your retirement if you have arthritis or diabetes, or any conditions that may affect driving. So, Dwayne, you have nothing to worry and are still insurable as long as you are healthy. Enjoy driving.

I’m from Atlanta, Georgia, and I just want to know if whether my car insurance is going to pay first, or is it my own personal insurance, in case I get into an accident?

Mike

Atlanta, GA

Well, it will depend on whether you’re driving your own car, if you borrowed it, or if it’s a rental. If you’re driving your car, both your car insurance and your personal insurance will cover you. It’ll be your owners’ policy that kicks in first, then your personal insurance will cover the rest of the excess amount. Take note that your personal insurance will cover you, not the car. This, of course, goes without saying that it wasn’t you that caused the accident. If you are at fault, you can bet your stars that the insurance company of the other person involved will go after you to try to recuperate any financial damages you may have caused. If what you’re driving, however, is not your own car, a different process is involved. There is such a thing called non-owners’ insurance policy or rental policy, and that’s a different topic altogether. As with all kinds of insurance, policies, prices and processes vary from insurance company to insurance company and from state to state.

Ask your agent there in Atlanta, Georgia. These are some of the things you should’ve known before you bought your insurance policies.

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 canceled 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.

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.