Buy Auto Insurance in Atlanta
Reader’s Question:
My brother’s vehicle was hit while parked on a street in Atlanta, Georgia. There was no witness and he is filing a claim with his insurance company. In the state of Georgia, is there a maximum deductible allowed for hit and run claims?
Polly
Atlanta, GA
According to the Georgia Department of Insurance (DOI), Uninsured Motorist Insurance may be included on an insurance policy. Although Georgia requires all motorists to have “liability insurance” to operate a vehicle, there are unfortunately those that either do not abide the law or may have unknowingly permitted their insurance to cancel.
For injury to or destruction of property of the insured, deductibles of $250.00, $500.00, or $1,000.00, at the choice of any named insured in the insurance policy. Subject to the approval of the Commissioner, deductibles above $1,000.00 may be offered, .
If your brother is filing a claim for the damages he sustained in Atlanta GA under collision and not Uninsured Motorist Property Damage (UMPD), then verify with the GA DOI to find out if there is a maximum deductible allowed since the damage is from a hit and run accident.
Online Atlanta Car Insurance
Q: Can I buy Atlanta GA car insurance online?
A: You can buy anything online, and online Atlanta GA car insurance is certainly included in that. As a matter of fact, it’s better for you to buy, or at least research, Atlanta GA car insurance online rather than offline, because you save more money that way.
The reason you save more money is because, first of all, you have a lot more information available to you on the subject of Atlanta GA car insurance online, so you’ll be able to rapidly compare quotes and find the financial and consumer ratings of companies, read about other people’s experiences, read your new car insurance policy, and so on. It’s more simple, it’s quicker, and it’s cheaper than an agent.
Another reason you’ll save money is because car insurance companies know they save money if you buy your Atlanta GA car insurance online. If you buy online, there’s no need for them to pay customer service reps to call you up, or buildings for them to call you up from, or agents to help you out. Buying direct saves them money, and they pass you the savings through things such as online discounts or lowering their rates entirely.
Atlanta DUI Insurance
Q: I’m a good driver, but now I have to get Atlanta GA DUI insurance because of one little mistake. How can I save money on this?
A: Even if you are a good driver, having a DUI on your record and being required to buy Atlanta DUI insurance, will automatically send the opposite message to your car insurance company. Even if you got your SR22 requirement for driving without insurance and never committed a single moving violation, it would still have the same effect.
However, if you have confidence in your ability to not run into other cars, then you can save yourself some money by raising the deductible on the extra coverages of your DUI insurance. The less risk you are willing to let lie on your own shoulders, the more you have to pay, so by assuming at least a thousand dollars of risk for each coverage, you will see your rates drop by a whole lot. If you can afford to assume even more risk, even better. I saved a hundred dollars a month, over a thousand dollars a year, by assuming $1500 of risk on my comprehensive and collision insurance.
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