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.

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.

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.

My mother bought me a car but she lives in Alabama and I live in Atlanta Georgia. Can she insure it in AL and I tag it here in GA?

Brenda

Atlanta, GA

The answer is No. The Georgia laws states that you will need to have your vehicle insured in Georgia if your registration and license plates are from Georgia. Even if Georgia did allow you to have an out of state insurance company cover your car it would likely be difficult to find an insurance carrier that would cover a car that was insured in Alabama but driven and kept out of state in Georgia.

If your name is on the title of the vehicle your mother bought for you then it should not be difficult for you to get your own car insurance on the vehicle. If your name is not on the title then there are some insurance providers that will allow you to get insurance without insurable interest in the vehicle, but it would be easier for you to place coverage on the vehicle if your name was added to the car’s title.