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.

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.

What Does a Non Owner SR22 Insurance Policy Cover?

Q: Should I get into a car accident, what insurance will cover the damages? My non owner SR22 insurance, or the insurance belonging to the owner of the car?

A: Non owner SR22 insurance is a special exception in the car insurance world, but the normal rules still apply. And those rules are that car insurance is attached to the car most of the time, and not to the driver, so if you drive a friend’s car and get into a car accident, then you will be covered by the insurance policy that car is named on so long as you had reason to believe the policy owner would allow you to drive the car.

Even if you only drive insured cars, you will stil need your non owner SR22 insurance coverage, although you may never use it. It’s there as back up, as proof of your responsibility. And, if your friend’s own car insurance coverage runs out in a bad crash, your own will kick in and extend the limits.