Questions About Car Insurance Deductible 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.
Will my Auto Insurance Be Affected By Open Container of Alcohol Ticket in Georgia?
Reader’s Question:
My friend received a ticket while driving my car and two other people in the vehicle got tickets as well for open containers of alcohol in Marietta, Georgia. I was not in the car when this happened. Will my insurance be affected?
Cary
Marietta, GA
The tickets received by the driver and passengers in your vehicle in Marietta, Georgia are not likely to affect your auto insurance rates because they were given to the driver and passenger of the car, which you were not one of. It seems like neither the vehicle nor you received any violations so in most states including Georgia there should be nothing to go on your driving record therefore nothing for the insurance carrier to see regarding the incident.
The driver and passenger in your vehicle though have to take care of the tickets they received. Depending in what state the infractions happened, the penalty for the tickets could be $25 to $500. This offense can be considered as a traffic violation or as serious as a misdemeanor. In Georgia, points can be place to your license
Albany Georgia SR22 Auto Insurance Rates
Q: Does the kind of car I drive have any effect on the price I will pay for my Albany Georgia SR22 car insurance?
A: Yes, it definitely does. I recommend anyone who is filing Albany GA SR22 car insurance to take a look at the kind of car they own or are considering buying before they go out and get their insurance. Knowing ahead of time what factors control the outcome of your car insurance rate will keep you from coming across some unpleasant surprises.
One big thing which will have an effect on the price of your Albany SR22 insurance is where your new car lies on the list of most frequently stolen cars. If it’s somewhere near the top, you’re going to have a mighty bit of explainin’ to do. A car doesn’t need to be a turbocharged sports convertible to be on the top of the most often stolen list, either. If your car is there, invest in some anti theft devices for a discount on your coverage.
Another thing will be the safety of your car. If you buy a big car, like an SUV or large truck, you’ll be charged more for your SR22 insurance than you will if you buy a mid sized vehicle, because these vehicles cause more damage.
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