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.
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
How Long Do Georgia Auto Insurance Points Stay On Record?
Reader’s Question:
I would like to know How many years do points remain on your driving record/MVR in Georgia? I received 2 speeding tickets for 2 points each, and a minor traffic violation for 1 point. I also want to know if an insurance carrier will still see the violations or increase my insurance rate after doing a point reduction class?
Alicia
Albany, GA
There is no information on exactly how long points or violations remain on a individual’s Georgia driving record. You can get a copy though of your 3 or 7 year driving record (MVR) through the Georgia Department of Driver Services (DDS) MVR Unit.
The consumer help line of the GA DDS may be able to provide answer to your question regarding the time period for various moving violations stay on your driver’s history. The phone number to call is 1-866-754-3687.
It will depend upon your insurance company’s rating system how these moving violations will affect your auto insurance rate.
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