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.
Auto Insurance Claims Atlanta Georgia GA
Reader’s Question:
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.
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