Auto Insurance Question Atlanta Georgia
Reader’s Question:
I’m here in Atlanta, GA. The name is George. If my car gets stolen and then the yellow-bellied thief figures in an accident and runs away, is there a chance that the people affected by the accident chase after me and my auto insurance?
George
Atlanta, GA
Now, wouldn’t that be a colorful story. Of course, we know that it happens. Thief takes your car, figures in an accident or uses it for who knows what and leaves the car somewhere dented and without gas. If the bad guy figures in a car accident, hit another car, a fence, or worst, a pedestrian, you will not be held responsible for the damages. That’s the nice part. The bad part is you will have to pay for the repairs of your car from your own pocket. I don’t think it’s a good idea to hope that the dastardly evil doer’s insurance will cover it. I don’t even think the bad guy has insurance. But even if the thief is apprehended and has auto insurance, I don’t think his or her (to be gender sensitive here) auto insurance company will include cleaning up after the thief in his or her (again, sensitivity) insurance policy. Of course, you’ll have to prove that the car really was stolen in the first place. Make sure to inform the proper authorities when your car gets stolen and get a police report. That’s added footwork but you won’t regret it as it will cover your back.
Atlanta Car Insurance Rate
Reader’s Question:
I know that you should add someone in you insurance policy if they use your car more than regularly. But what are the consequences of them being involve in an accident and not having them listed on your policy? I have a friend that borrows my car, and we are living in the same household but if I add him to my insurance policy, my insurance rate goes up a lot and its so unreasonable! We live in Atlanta GA and I would like to know what will happen if he damages my car and he is not added to my policy?
Mike
Atlanta, GA
Generally, the consequences of not adding a household member to your insurance policy when it is required by your insurance company is that if he get involve in an accident while using your car they would deny claims since he was not a motorist on policy and therefore you were not paying premiums for him to covered to drive your car. We have heard of some insurance companies that will cover a household member that was not listed on the insurance policy.
Most insurance companies and state laws require you to add all licensed household members on your policy and either add them as motorists or exclude them. It does not appear that in Atlanta GA you could totally exclude your roommate from your policy, only from collision and comprehensive coverages.
Georgia law states that car insurance fraud happens when people knowingly misrepresent pertinent facts to an insurer or agent to get a policy or collect money to which they are not entitled. Removing a licensed household member from your insurance policy is a misrepresentation of facts and is considered soft fraud. Any form of car insurance fraud is a serious crime in Atlanta GA that can lead to possible jail time and heavy fines.
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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.
Atlanta Teen Car Insurance Quotes
Q: My daughter is on my insurance policy and it’s so expensive now. How can I get a better deal on my Atlanta GA teen car insurance?
A: I think that parents can use the Atlanta GA teen car insurance prices being so high as a sort of teaching mechanism. A couple of ways for you to save money exist, but they hinge on the actions of your daughter. If she doesn’t do what is necessary to save money on car insurance, then you don’t let her drive. You both win.
First of all, make sure she’s doing well in school. Obviously this is something you’ll already be paying attention to, but a car is a powerful motivator. If she has a B average or a 3.5 GPA, then you’ll be able to get a good student discount on your Atlanta GA teen car insurance.
Secondly, enroll her in a driver’s education class if she hasn’t already taken one. You can ask your car insurance company which will be acceptable for getting a discount on your Atlanta GA teen car insurance. With the student discount averaging around 15-20% and the driver’s ed something like 5-10%, you’ll save plenty.
Atlanta SR22
Q: What is Atlanta SR22 car insurance?
A: Good question. Let’s take a quick look at the basics of Atlanta SR22 filing. First of all, what is an SR22 policy? An SR22 policy is a specific type of car insurance you must get after a driver’s license suspension. In order to reinstate your driver’s license, you must have an SR22 form on file. In Georgia, you will need to continue to file this form for a total of three years. Once your filing period is over, you may still feel the effects of your former SR22 insurance policy on your rates, because it will stay on your record for five years.
There are a few reasons you may be required to file an Atlanta SR22 car insurance form. One of the most common ones is a DUI conviction. If you are convicted of a DUI, then your license will be suspended for a certain amount of time and you will then get SR22 insurance to get it back. Another reason you might have to file it would be because you got into an accident while driving uninsured.
Atlanta SR22 is proof of insurance, and it’s a way for the state to make sure you are remaining responsibily insured while you are considered to be a high risk driver.
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