Do You Have to List Household Members on my Auto Insurance Policy?
Reader’s Question:
What if I don’t want to list a household member on my car insurance policy in Georgia?
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.
Car Insurance For Suspended License in Georgia
Reader’s Question:
My driver’s license was suspended for two years for driving without license in another state. My driver’s license was issued in Louisville, KY. Does that mean I will not be able to get a driver’s license and car insurance in my new home state of Georgia? To my understanding, GA is not a reciprocal state for driver’s license records.
Kyle
Augusta, GA
No. You will not likely be allowed to obtain a driver’s license in Augusta, Georgia with your driver’s license in your previous state of Kentucky being suspended. Though you’re correct that Georgia is not part of the Drivers License Compact (DLC), GA, however is part of the Non-Resident Violator Compact (NRVC). It has separate agreements with other states to share ticket information even without being part of the DLC. So, GA shares information about licensing and violation convictions with other states.
When applying for a Georgia license, you would need to inform the GA Department of Driver Services (DDS) about the suspension of your license in KY. Georgia state laws require a wait period until you can reinstate your KY license to drive again before you’re allowed to obtain a driver’s license in their state. To make sure that this is true in your specific situation and to see if you can obtain any kind of restricted license in the mean time, you may want to contact GA DDS.
Without having a valid driver’s license, it will be difficult if not impossible to get auto insurance since having a suspended license means you’re not supposed to drive a car.
What Does Car Insurance Cover in Georgia, the Driver or the Car?
Reader’s Question:
Does auto insurance cover the driver or car in Savannah Georgia?
Linda
Savannah, GA
Auto insurance can cover both the driver and the car. The vehicle is covered on a car insurance policy and those motorists are that are covered to drive the car are defined inside the policy coverage definitions.
Most insurance policies will cover all motorists that are not excluded but given permission to drive the car. There is no blanket answer to what or who a car insurance policy will cover so you would need to check your specific policy’s declarations and application.
If there are specific state insurance laws you want to check regarding your specific situation in Savannah Georgia you can contact the Georgia Insurance Commissioner whose consumer division should be able to assist you.
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