Removing Driver From Car Insurance Policy in Georgia
Reader’s Question:
I have a 26-year-old, married son who is separated from her wife. On she called their car insurance provider and left a message to remove him from their car insurance policy. We would like to lend him one of our cars (which are fully insured) to drive until he gets a new vehicle and insurance (which will probably be within the next 4 days). If we do this, is he covered here in Georgia?
Michelle
Albany, GA
Basically, you will want to contact your insurance provider in Georgia to verify if she will be covered for just a couple days without listing him as a motorist to your insurance policy. With that being stated, if your son is going to be driving your cars and he is residing in your household, you will need to add him on your policy as a motorist. If he does not reside with you, but he uses your cars on any kind of regular basis, you will probably need to add him to your policy as a motorist. If one of your cars remains at your son’s residence, and his residence differs from yours, you will need to let your insurance provider know; because, they may have an issue with cars that stay at multiple residences.
Taxi Cab Insurance Coverage in Georgia
Reader’s Question:
How do I go about getting taxi cab insurance since most insurance providers in Georgia don’t sell it?
Michelle
Columbus, GA
Taxi cab insurance permits you to carry passengers for a fee. Therefore passenger vehicles used to give rides for hire should be registered as a livery. This can include cabs, taxis, and limousines. There are specialty companies that should be able to assist you get the insurance you need.
You may be able to find on individual auto insurance websites based in Georgia for the car insurance that you need. You may also get a quote online for free. If you need more help getting livery insurance then you may contact the Georgia Insurance Commissioner.
Adding Teen Driver To Your Car Insurance Policy in Georgia
Reader’s Question:
My wife and I have two cars in GA. We want to add my 19 year old daughter to our policy as an occasional driver, will that be cheaper than adding her as a primary?
Harold
Albany, GA
It really depends on the Georgia insurance providers and their guidelines as well as their rating systems if it would be cheaper to have your daughter listed as an primary driver or occasional driver on your car.
Not all insurance companies in Georgia rate using primary driver or occasional driver . Typically, an occasional driver is rated at a lower rate than a primary motorist by insurance companies that do have these different designations. Plus, it may be possible to have an individual listed as the primary on one car, but not on all household cars.
Regardless of the cost, you will have to tell the use as defined by your specific insurance company. So speak with your insurance broker and see if they have both types of motorist designations and if so what he or she would advise to place your 19 year old daughter as.
When Does Car Insurance Lapse in Georgia?
Reader’s Question:
What is the meaning of an auto lapsed policy? For instance, if the policy expired on July 1st and a new policy was bought on July 7th of same year, would this be considered a lapse in my policy in Georgia?
Jim
Atlanta, GA
As you are likely aware GA insurance companies must electronically report insurance information, including if your insurance that has been canceled or if there is a lapse.
A lapse is defined by the Georgia Department of Revenue (DOR) as ten or more days where the records show that your car was not covered by a motor vehicle insurance policy. Therefore if you let your auto insurance policy expired on July 1st and buy a new policy on July 7th it would appear that you are within the 10 day gap period that Georgia allows.
When the DOR sees that a car insurance has lapse for 10 days or more a Notice of Lapse Mandatory Liability Insurance Coverage will be mailed to the car owner. You will be required to make a payment of a $25 lapse fee and require you to show proof of valid car insurance coverage within thirty days.
Medical Payment Insurance Georgia GA
Reader’s Question:
In Georgia, what is the required medical payment?
John
Albany, Georgia (GA)
Georgia state law does not require medical payment insurance as part of the mandated motor vehicle coverages. However, Georgia law requires as part of minimum liability car insurance policy is:
* Bodily Injury Liability coverage of $25,000 per injured person up to a total of $50,000 per accident and a minimum limit of $25,000 for Property Damage Liability coverage.
Medical payments, underinsured motorist, uninsured motorist,and personal injury protection (PIP) are all optional coverages in the Georgia. Physical damage coverages of comprehensive and collision are also optional and not required by the state but if your car is financed then the lien holder will normally require these types of coverages are maintained on the vehicle.
Car Insurance With SR22 In Georgia
Reader’s Question:
I want to know if an SR22 is required in Georgia?
Randy
Atlanta, GA
Yes, an SR-22 can be required of a motorist in Georgia under certain circumstances.
The Georgia Department of Driver Services (DDS) states about the Form SR-22, Georgia Financial Responsibility Insurance Certificate, future proof of insurance when stating suspensions, revocations and cancellations of a driver’s license.
So there are a some reasons why Georgia may require an SR22 form. If your license has been revoked, suspended, or canceled and you are going to obtain your license reinstated it is likely that GA may require you to file a SR-22. You can verify with the GA DDS to find out all the reasons the state may require this certificate of financial responsibility.
Registering Your Car in Georgia For Auto Insurance Coverage
Reader’s Question:
My mother bought me a vehicle. She lives in Alabama and I live in Georgia. Can she insure it in Alabama and I register it here in GA?
Ed
Augusta, GA
The Georgia laws states that you will have to have your car insured in Georgia if your registration and license plates are from GA. Even if Georgia did permit you to have an out of state insurance company cover your car it would likely be hard to find an insurance company that would cover a vehicle that was insured in Alabama but driven and kept out of state in Georgia.
The Georgia Motor Vehicle Division of the Department of Revenue states that car owners and lessees in this state are required to carry continuous GA mandatory liability insurance coverage on their car(s) to:Legally operate a vehicle(s);Register and get Georgia license plates (tags); and, Renew, transfer or replace their existing Georgia license plates (tags).
If your name is on the title of the vehicle your mother purchased for you then it should not be hard for you to obtain your own car insurance on the car. If your name is not on the title then there are some insurance carriers that will permit you to get insurance without insurable interest in the vehicle, but it would not be difficult for you to place coverage on the vehicle if your name was added to the car’s title.
How Long Do Georgia Auto Insurance Points Stay On Record?
Reader’s Question:
I would like to know How many years do points remain on your driving record/MVR in Georgia? I received 2 speeding tickets for 2 points each, and a minor traffic violation for 1 point. I also want to know if an insurance carrier will still see the violations or increase my insurance rate after doing a point reduction class?
Alicia
Albany, GA
There is no information on exactly how long points or violations remain on a individual’s Georgia driving record. You can get a copy though of your 3 or 7 year driving record (MVR) through the Georgia Department of Driver Services (DDS) MVR Unit.
The consumer help line of the GA DDS may be able to provide answer to your question regarding the time period for various moving violations stay on your driver’s history. The phone number to call is 1-866-754-3687.
It will depend upon your insurance company’s rating system how these moving violations will affect your auto insurance rate.
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