Is my Car Insurance Still in Effect if my Vehicle Tags Has Expired in Georgia?

Reader’s Question:

If the tags on vehicle are expired, is the car insurance coverage still in effect? I live in Sandy Springs Georgia.

Robin

Sandy Springs, GA

Insurance carriers terms and guidelines can vary so you will need to verify with your insurance company to find out if your car would be covered if your tags or license plates were expired in Sandy Springs GA.

Generally, your insurance contract is typically in effect regardless of tag or license status. Unless there is an exclusion in your insurance policy then likely your auto insurance would be in effect even if your registration is expired.

If you have let your license plates expire, most states have grace periods so check if you can have them reinstated and up to date without a penalty by verifying with your Department of Motor Vehicles in Georgia.

How Long Do Auto Insurance Points in Georgia Stay On Record?

Reader’s Question:

How long do points remain on your driving Motor Vehicle Record in Roswell, Georgia? I got two speeding tickets for two points each, and a minor traffic violation for one point. Will my insurance provider in Roswell still see the offense after doing a point reduction class?

Aaron

Roswell, GA

The A Department of Driver Services (DDS) states that you can take a point reduction defensive driving course once every five years. You cannot take the traffic school class online or on a computer. The DDS only permits classroom instruction for this driving school.

According to the DDS information sheet on the defensive driving course, you may not take the traffic school for auto point reduction or insurance reduction or for more than 1 violation. It also seems that the points are reduced but that the offense stays on your driving record. If this is the case, you insurance provider can indeed see the violations and thus rate you on them.

It will depend upon your insurance company’s rating system how these moving violations will affect your car insurance premium. If your insurance rates increase, it may be time to shop around for a new insurance company. You can start here get a cheaper car insurance quote for Roswell or other cities within the state of Georgia. No obligations, its FREE

What Happens If I Stop Paying Car Insurance in Georgia?

Reader’s Question:

What will happen to me if I just stopped paying on my auto insurance policy? Will I go to jail? I live in the state of West Dougherty Georgia.

Paul

West Dougherty, GA

If you stopped paying on your auto insurance policy it would be cancelled due to non-payment and cause problems for you. One problem would be that this cancellation will show up on your credit record as non-payment and not only be a black mark on your credit rating but also make it difficult to find car insurance in the future. Many insurance providers will not want to insure an individual that has previously not paid on their auto insurance policy.

If you fail to pay the fee and get insurance, it will result in the revocation and/or suspension of the car’s registration. Driving while the vehicle registration is suspended is a misdemeanor. If found driving without proof of insurance in West Dougherty Georgia you will be also be subject to vehicle impoundment and fines.