It's important for drivers to do this. If someone you know used your car without your permission, they may be responsible for the damage they caused. However, you'll have to prove that they weren't allowed to use your car, which can be difficult. These forms of insurance typically cover the same things that your own liability insurance would cover for another driver if you caused an accident.
It's important for drivers to understand the state's auto insurance laws and the penalties for driving without insurance in Georgia. No one should give a recorded statement to an insurance company, not even to their own insurance company, without first consulting an attorney. Even if a person has valid insurance for the vehicle, the driver could be charged if they don't have proof of insurance. Driving without car insurance is illegal in Georgia, and if you get caught, you'll face serious consequences.
If you had insurance at the time of the fine, but did not have proof with you, it is essential that you present to the court the insurance card or folder that was in effect on the date of the charge. If someone you excluded from your policy wrecks your car, your insurance won't cover the damage even if you've given the driver permission to use the car. If you are hit by an insured driver, but you don't have your own insurance policy, you may be able to sue the other driver for your losses. If the person driving your car was at fault for the accident and there was damage, other drivers could file a claim with their insurance company.
All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. In the best-case scenario after a car accident, the insurance claim filed by you and your lawyer is accepted and you can receive financial compensation for your damages. Fortunately, Georgia isn't a no-fault auto insurance state, which means that when you work with a reputable, hardworking, and experienced lawyer who is prepared to build your case, your chances of winning your case are often much higher. Even if you are not the owner of the vehicle, you can be charged with driving without insurance if the vehicle is not insured.
Having an SR-22 on your registry will significantly increase your car insurance rates until the certificate is no longer needed.