Auto Insurance For Medical Payments in Georgia
Reader’s Question:
I have a bodily injury liability on my car insurance policy, do I still need to get medical coverage in Macon GA?
Denver
Macon GA
Medical Payments coverage covers medical bills to you and your occupants injured in an accident. There may also be coverage if as a pedestrian a car injures you.
It does not matter who is at fault with medical payment coverage. Medical payments may also cover policyholders and their family members when they are injured while in someone else’s vehicle or when they are hit by a vehicle while on foot. Coverage of course is limited to the terms and exclusions specified in your car insurance policy.
You may check your health insurance policy in Georgia to know the specifics since some health insurance exclude coverage for injuries due to vehicular accident.
On the other hand Bodily injury is not coverage for you if you are injured in an accident. Bodily injury liability covers those that you may cause injuries to when you are at fault in an accident. Bodily injury is mandatory in most states.
Cheap Comprehensive Auto Insurance in Georgia
Reader’s Question:
I live in Roswell, Georgia and I have a loan on my vehicle. yesterday my vehicle was stolen. I do have comprehensive car insurance. What will happen?
Allan
Roswell, GA
Since you mentioned that you have comprehensive coverage, this coverage covers damages caused by fire, weather, vandalism, floods and theft. If your stolen vehicle will not be recovered , your car insurance provider will settle for the ACV of the car before it was stolen.
If you visit the Georgia Insurance Commissioner site it states there how if your vehicle is a total loss, which a stolen car is since it taken from you, your full coverage through your insurance carrier will pay you what the vehicle was worth based on its ACV.
If you owe more money then the ACV of the car, you will be responsible for the difference of what the automobile’s actual cash value settlement is and the balance of your vehicle loan
Adding Teen Driver To Auto Insurance Policy in Georgia?
Reader’s Question:
My daughter lives in Atlanta Georgia and I live in the state of Mississippi. I purchased a vehicle for her as a gift and I would like to get her car insurance. My car insurance carrier does not offer it so I was just wondering how do I get car insurance for my daughter.
Patrick
Atlanta GA
If the car that you bought is titled and registered under your daughters name, then she will be able to get car insurance for that vehicle.
Now if the vehicle is titled under your daughter’s name or both in your name and your daughter’s name, then you may be able to find car insurance carriers in Georgia that will insure the car for your daughter. You may not be able to find car insurance carrier in the state Mississippi that will insure the vehicle that is garaged in Atlanta Georgia.
Since the vehicle will be garaged in Atlanta Georgia, the car needs to be registered there regardless of whose name is on the title.
It would be easier to insure the vehicle in Atlanta Georgia if you will put it under her name and you could assist her for the payment once the car insurance policy is set up.
You may be able to start buying car insurance policy or getting car insurance quotes in Atlanta Georgia online now.
Do You Have to List House Hold Members on Auto Insurance Policy?
Reader’s Question:
What if I don’t want to list a household member on my car insurance policy in ?
Ben
Marietta, GA
You should always include all household members on your application in your car insurance.
With each insurers it is different. Some insurance companies sells insurance policies for different insurance carriers. Some auto insurance application will ask you the appropriate questions to meet the insurer’s guidelines and the state rules/laws.
Insurance companies need to know about all household members because states laws for personal liability sometimes include all household members. So, the insurance company is representing you and covering you so they need to be aware of the entire risk they are protecting.
Multi Car Auto Insurance Rates in Georgia
Reader’s Question:
I have 2 vehicles with full coverage and a deductible on collision coverage. My wife backed into mine damaging both of vehicles. Will I have to pay 2 deductibles? How will this affect my car insurance rate premiums in Georgia?
Carl
Northeast Cobb, GA
Thank you for your question. I’m assuming that you and your wife are insured by the same insurance provider.
If so, some insurance providers waive one of the deductibles if both policyholders are insured by them. I have seen some situations where insurance companies charge both deductibles too. You need to report this loss to your insurance providers if you have not already. You could also ask them about your situation with the insurance claims adjuster. It is up to the verbiage in your auto insurance policy as to if they can charge it or not. Some insurance policies define an incident as a single occurrence while other insurance policies define it as a per auto occurrence.
Each insurance carrier has its own method of evaluating policyholders, so the insurance points on your driving history may or may not have a direct impact on the auto insurance rates you pay for car insurance. The amount of insurance claims and the costs of those insurance claims are also factored into your auto insurance rate in in Northeast Cobb, Georgia.
What Is Car Insurance Lapse?
Reader’s Question:
What is the meaning of an auto lapsed policy in the state of Georgia? How much is the fee?
Griffin
Sandy Springs, GA
According to the Georgia Department of Revenue (DOR) a lapse is defined as ten or more days where the records show that your car was not covered by a car insurance policy.
If the auto insurance lapse fee is not paid within thirty days of the letter’s date, the car registration will be suspended. To terminate the suspension, the car owner must now pay the $25 lapse fee in addition to the $60 reinstatement fee as well as show proof of car insurance.
To get more information with regards to an insurance lapse in Georgia you may contact the DOR.
Car Insurance Coverage With Expired Vehicle Registration 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.
Do You Need Teen Car Insurance in Georgia?
Reader’s Question:
I am concerned about my teenage son, who occasionally drives one of my newer model cars. There’s nothing much to worry about since he’s already added to my policy. My question is, what will happen if he crashes the car and causes damages to it? We live in Atlanta, GA.
Laura
Atlanta, GA
It is important to take precautions by knowing what to do should an accident involving a minor child happens. Since you mentioned that your teenage son is already listed as a driver on your policy, you’re correct, you may have nothing much to worry about as compared to those parents whose children were not added. Your car insurance company should cover the damages to him and your car based on the insurance limits purchased. As to the amount of the claim payments, these will be determined by first getting quotes from auto body repairs. You may be curious as to what will happen after that? Some insurance companies may try to get back the costs incurred by raising your premiums while some will choose to not renew your policy at its expiration. Other insurance companies will even require that you remove your teen minor from the policy before they renew your policy. Or, they will continue to renew your policy with your minor listed on the policy as a driver, but they will increase your car insurance rate premiums in Georgia.
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