DUI In Georgia

Reader’s Question:

My son has borrowed a car from a car rental agency with a rental car insurance but unfortunately he got a little accident and damaged the car he borrowed. Though he has his own car insurance, is it possible here in Georgia that he is not well protected using a rented car?

Francine

Augusta, GA

Rental Car insurance is something that you purchase when you had rented a car however either you use your own car insurance policy or the rental car insurance you are still protected in many ways just like paying for damage of the car you rented in case of accident. Though there is nothing wrong with the rental car insurance you still have to know details before you make a decision to purchase.

If you have gotten a Collision Insurance Coverage here in Georgia you don’t have to worry damaging a rental car for your own personal car insurance will cover any car you are driving. The thing is, when you purchased coverage from the rental car company will kick in first for the collision coverage you bought in your personal car insurance is known to be an excess in any other coverage and require you to pay a deductible. Even if you get a Comprehensive Coverage that will also cover a rental car in any way that it can cause damage, it is still an excess coverage that you have to pay for deductibles too. The best thing to do before renting a car you should first check what coverage you have in a rented car and you should also ask the rental car company what they have to offer.

Tags: car, car insurance, comprehensive coverage, rental car insurance

Reader’s Question:

I wonder how car insurance companies view first time accidents of their customers. Do you think I have to switch car insurance providers here in Georgia after one at-fault accident?

Cáel

Sandy Springs, GA

In case you decide to switch car insurance companies in Georgia after one at-fault accident and start getting in touch with different insurers, the incident will stay on your record and chase you even if you switch insurance providers. Car insurance companies share details about their customers’ record on file. In case the accident caused tremendous damage on the parties involved, it would be suitable to benefit from the insurance that you have already paid for.

A car insurance expert explains that majority of car insurance providers assess crashes and property damage on a case-to-case basis if the rates will be higher. A lot of car insurance providers, especially the bigger ones have the tendency to be merciful with a first accident or traffic infraction. But there are a lot of things to consider such as the degree and amount of the damage and the kind of traffic infraction. If you have an excellent driving history and got into an accident for the first time, that might not be an issue the way you are viewed by the car insurance company. However, a driver who has a lot of accidents and claims will be perceived in another way.

Tags: car insurance, car insurance company, car insurance rates

Reader’s Question:

Higher gas prices hurt a lot of drivers and make them turn into less driving. I also drive less now than I used to because of that and in return, I would like to pay less on my car insurance here in Georgia as well. How can I take advantage of driving less to make my auto insurance rates lower?

Gannon

Savannah, GA

You are just one among many drivers who tend to drive less because of higher gas prices. A lot of us try to look for any means to save money and some even go with hybrid vehicles. Some even turn to taking public transportation instead of driving. Some just go on car pooling and may be combining trips will do. No one can blame you for doing so because not only that you can save a bit, but also get lower chances of getting into an accident while driving your own vehicle. For that reason, this may mean a lot on your car insurance rates in Georgia.

A lot of people already understand the connection of driving less and better auto insurance rates. For one thing, as already mentioned, driving less means that you get lower chances of being involved in a car crash. This will lead to fewer injuries, thus fewer injury coverage from your auto insurance company. This is, by far, the reason why auto insurance providers give discounts on low mileage driving. If you tend to drive fewer miles than you used to, your auto insurance premiums will eventually drop.

Tags: car insurance, car insurance rates

Reader’s Question:

My mom is so worried about so many expenses including her car insurance here in Georgia. What I don’t understand here is that why does she need to buy car insurance? I’m sorry I had to ask this in case I get my own car and buy car insurance for myself.

Leann

Albany, GA

You may be very much aware that if you get on the road, no one exactly knows what’s gonna happen. You may encounter some things that are never part of your plan. That’s one of the reasons why your mom needs to have car insurance because she owns a car in Georgia. Accidents can happen while driving so motorists and other people might get hurt. Even if a vehicle is just simply parked in a corner of a street, it can be stolen or a catastrophe might strike that can damage the vehicle.

In cases such as the aforementioned, car insurance would give you protection for financial needs for personal injuries, injuries to others and property damage resulting to car crashes, theft, vandalism or natural calamities. Furthermore, car insurance is a requirement in the state of Georgia so your mom needs to buy at least the minimum amount of liability insurance coverage. And in case she has an outstanding loan on her vehicle, she will usually be required by the finance company to buy at least the minimum amount of car insurance as well as collision and comprehensive coverage.

Tags: auto liability insurance, car insurance, comprehensive insurance coverage

Reader’s Question:

I already had my driver’s license here in Roswell, Georgia and would always ask my parents to buy me my own car. Their only reservation is the teen car insurance which they believed to be expensive. Are there any way for us to get an affordable teen car insurance?

Ben

Roswell, GA

It is indeed true that most car insurance companies are setting higher car insurance premium rate for teenagers than for adult’s car insurance. But of course, there are a several ways through which you can avail affordable teen car insurance there in Roswell, Georgia.

Your driving record helps a lot, meaning if you have a clean record and have not committed or involved in any roadway collisions or traffic violence you are more likely to receive lower premium rate. Another is by enrolling in a driver education courses. Because statistically teenagers are more involved in car accidents than adults or middle aged, your car insurance provider will be giving you discount opportunities when you finish a driving course. This is because your insurance provider at least expects that you drive very safely the time you receive your policy. But make sure that the school you want to enroll is credited by your car insurance provider, otherwise you cannot avail any discounts

Discount opportunities also come along with high grade point average (GPA). A GPA of 3.0 will most likely decrease your teen car insurance premium by 10 percent; however, this vary from one insurance provide to another.

Tags: car insurance, driver’s license, teen car insurance

Reader’s Question:

Aside from being penalized for not having car insurance here in Athens, Georgia, could you give me one more practical reason why I should get insured?

Benny

Athens, GA

The punishment for not having car insurance could vary from paying fines, having a suspended driver’s license and serving time in jail. If a motorist is caught, the automobile or license plates can be impounded until he/she pays the necessary fine. Also, it is likely that a driver can have all of these punishments. In case you are involved in an accident, the punishments are more severe if you’d like to be able to drive again. Moreover, there is a possibility that you would have to constantly keep a bond or some other proof of auto insurance. You will have another punishment if the bond gets expired.

One practical reason that I can give you for you to be insured is that auto insurance is actually there to give us protection. In case you are involved in a crash and damage another person or property, your auto insurance in Athens, Georgia will pay for everything that it covers. Most of all, if you are caught driving without insurance, you will be tagged as a high-risk driver and you will end up paying more. Everything is going up nowadays but having auto insurance isn’t an alternative, it is a must because it’s illegal to drive without auto insurance and you will still end up paying more should you get caught without it.

Tags: car insurance, driver’s license, driving without insurance

Reader’s Question:

My car insurance policy here in Northeast Cobb, Georgia would only give coverage for a rental car only if my car is stolen or being repaired. If I rent a car for a business trip, am I the only driver of the car who will be covered?

Noah

Northeast Cobb, GA

For an extra payment, rental vehicle companies typically have different kinds of insurance protection and loss waivers. If you purchase insurance from the rental vehicle company, it could be your main insurance coverage. But remember that as the renter of the car, you are normally the only one authorized by the rental company to drive the car. This means that the insurance from the rental company may not apply when other individuals drive the car. But here are some exceptions:

–In some states, your legal spouse will be regarded as an “authorized operator” of the automobile and could drive it with your permission.

–If you lease the car under a corporate account, your boss, workers or fellow workers on a business rental could be regarded as “authorized operators” who could drive the car with your permission.

–If agreed to in writing, you could have “additional authorized operators” who could drive the car. Additional operators are normally should be at least 25 years old and have a valid driver’s license and a major credit card. There could be an extra fee for every driver that you add.

These people are typically covered by any insurance you purchase from the rental car company if you are away from Northeast Cobb, Georgia on a business trip. However, be certain that you confirm this with the rental company at the time that you lease a car.

Tags: auto insurance, car, car insurance policy, rental car insurance

Reader’s Question:

I have just gotten married and they say that this is the perfect opportunity to get a discount for my car insurance. How can my marriage have an impact on my car insurance here in West Dougherty, Georgia?

Thea

West Dougherty, GA

There are a lot of occasions which can have large influence in our lives and one of them is when we tie the knot. However, you may have never thought that saying “I do” could also have an impact on your car insurance premium rates. So this is really a great chance for you to re-assess your car insurance policy. You may be very excited to walk down the aisle for you will have a fresh start. Once you and your husband’s assets have merge, it would be a perfect opportunity for you to get bigger discount on your car insurance in West Dougherty, Georgia. This means that your marriage could definitely save you some money.

A lot of car insurance providers usually give discounts for multiple cars. So you could be able to save some money and cut back on a lot of bills and policies that you have. At some point in this occasion, you could also shop around and compare different car insurance quotes as well as policies from other insurance providers. This would really aid you come across the best rate and insurance coverage for you and your husband.

Tags: car insurance, car insurance discounts

Reader’s Question:

What can an insurance broker exactly do for me if I decide to seek their help about my car insurance here in Augusta, Georgia?

Nathaniel

Augusta, GA

Most of the time, a professional auto insurance broker will be able to take care of any insurance need you might have and those people are highly trained and knowledgeable car insurance specialists. They attend trainings from the auto insurance company they represent to keep them updated about the latest insurance rules and regulations. Generally, they write insurance policies in only one state and have a license that gives them the authority to do so.

A car insurance broker is independent which means that he/she can represent various insurance companies. That way, he/she could give you a great deal of options regarding the type of car insurance, the premium rates and the service you need. The insurance broker also makes sure that the insurance company treats you fairly and is apt in amending any mistake or paying a claim. So if you decide to seek the help of an insurance broker for your car insurance in Augusta, Georgia, be sure that he/she understands the kind of insurance you really need. Take some time talking to the insurance broker to make you feel at ease and also so that he/she can be able to answer the queries you might have.

Tags: car insurance, car insurance company, car insurance policy, car insurance rate

Reader’s Question:

I have an older model vehicle which I believe doesn’t have much of a value anymore. Will it be wise for me to still get collision coverage for my auto insurance here in Sandy Springs, Georgia?

Carlo

Sandy Springs, GA

I getting insurance coverage for your automobile in Sandy Springs, Georgia, you have to choose the suitable level of coverage for you and your car. If you have an older car model you believe that does not have much of a value, don’t really need to have collision auto insurance coverage. Though it will be great to have your vehicle paid for if it will be heavily damaged, it will cost you about $200 annually to have it insured.

I will most likely be logical to insure this kind of vehicle under your state’s minimum legal auto insurance requirements. The amount that you save can be set aside to repair any probable damage on the vehicle in case of an accident, or loss of the automobile in the form of ’self insurance.’ One disadvantage is that no matter what the worth of your car is, it can still inflict the same amount of damage to other automobile or other persons as an expensive car. Auto liability insurance would give you coverage for bodily injury or replacement of the other driver’s car. But the limitations of liability insurance are likely low and could not cover well the other driver’s actual losses.

Tags: auto insurance, collision coverage