Automobile Insurance Coverage in Atlanta Georgia

Reader’s Question:

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.

Automobile Insurance Refund Atlanta

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 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.

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 Atlanta Georgia

Reader’s Question:

My son has let his auto insurance lapse. He have been canceled 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  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.