Basic Georgia Car Insurance Information
In America alone, various states have their own laws and regulations regarding DUI. In Georgia, for instance, first of all, it’s unlawful to possess a car without liability insurance. Allowing an individual with no insurance coverage operate the car is likewise illegal.
In Georgia the minimum required liability coverage are the following:
1. A single accident, per person physical injuries – $25,000.00
2. A single accident, 2 or more persons physical injuries – $50,000.00
3. A single accident, property damage – $25,000.00
Whatever the case, the law enforcement officer will request the motorist for proof of required liability insurance. IDs or documents from the insurance provider should be presented.
When the insurance policy has lapsed in the time of the accident, the Georgia Department of Motor Vehicles will suspend the drivers license of the operator until insurance coverage has been presented.
So with DUI scenarios, law enforcement officer would require a specific type of automobile insurance known as SR 22 car insurance. SR22 car insurance is a proof of financial responsibility of the driver. It’s an assurance that the driver will maintain the minimum insurance plan for a specific period of time.
SR 22 car insurances are unique car insurance such that the DMV and the auto insurance companies classify particularly those high-risk motorists that require this high-risk insurance.
High-risk drivers are generally the ones that display bad driving practices. Demographics like the gender and age assist insurance companies decide on whether or not to issue SR 22 car insurance.
There are two types of SR22 car insurance policies-
1. Owner policy – This is the type of policy for the car owner. This is issued with collision and comprehensive coverage among other additional coverage.
2. Non-owner policy – This type of policy are for drivers who does not own a car. The car insurance provider files the SR 22 after which the Georgia Department of Motor Vehicles will receive a copy as well.
The Georgia DMV determine the time table the effectivity date of the SR 22. All this is dependent on the gravity of the violation. A DUI conviction could take many years.
It is vital that the SR 22 car insurance is not lapsed or cancelled until teh DMV inform you that you may no longer need the SR22 on file. Additional fees and penalties will be applied to the driver if the SR 22 car insurance is not renewed.
Do I Need Medical Coverage if I Already Have Bodily Injury Liability 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.
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.
Cheap Macon Georgia SR22 Auto Insurance
Q: I looked at the most stolen cars list on the government website and my new car model isn’t there, but I’m told my comprehensive Macon GA SR22 insurance coverage is so high because my car is at a higher than usual risk for theft and vandalism. Why is this?
A: The reason you will occasionally find discrepancies between what the government statistics say are the most often stolen cars and what your car insurance company actually charges you for your Macon GA SR22 comprehensive car insurance is that most car insurance companies aren’t looking at the same statistics as you are. Instead of using national statistics which are more general, your car insurance company collects its own statistics, and you’ll be charged based on the claims filed with that company.
While the two lists are usually almost parallel, you shouldn’t automatically take it for granted that since your car isn’t on that list it won’t be on any other. Statistics vary. While you can check such lists as an indicator of which car to buy, the best way to find out if you’ll be paying a lot for comprehensive coverage on your Macon GA SR22 insurance policy is to actually call up your possible car insurance provider or go to their website and get a quote BEFORE you buy your new car.
How Can I Get Cheap SR22 Insurance Coverage?
Q: I’m actually not a bad driver, but I have to file SR22 insurance because some guy ran into me when I was uninsured and the police caught it. I can’t afford these high rates. How do I get cheap SR22 insurance?
A: Since you have a good driving record, you are able to more easily take the risk that millions of people take every year because it is less likely to affect you. That is to raise the deductible on all of your non liability coverages.
Many people opt for the lowest deductible when buying car insurance because they feel that they don’t want to have to depend on coming up with a couple thousand dollars in order to pay their medical bills when they get into a bad accident. This is a valid concern, but if you raise your deductible to at least $1000 on your comprehensive and then on your collision coverage, then you can save around a hundred dollars a month in many cases and that money can be set aside for emergencies like car accidents.
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