Is insurance with car or driver in georgia?

In general, insurance coverage covers the vehicle and not the person in Georgia. This means that the homeowner's car insurance coverage would be the main source of compensation if you were to have a car accident in your vehicle, not your own auto insurance policy. Georgia requires that all drivers have liability insurance to drive. Unfortunately, there are some drivers who don't comply with the law or may unknowingly allow their coverage to expire or be canceled.

These drivers are considered “uninsured”. If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, insurance for uninsured drivers would protect you. In most cases, your car insurance in Georgia should cover other drivers. Generally speaking, most types of auto insurance coverage in Georgia go with the vehicle, not with the policyholder.

If you lend your vehicle to someone else and that person causes a collision, your car's liability coverage will be the main insurance. Your liability coverage will take effect if a family member drives your vehicle or if you have given someone else permission to use it. It will likely also cover you if you have an accident in a rented car. When an insured driver is responsible for an accident, liability insurance covers the other driver's expenses.

Yes, there are situations where your car insurance will refuse to cover an accident, even if the person driving your car wasn't at fault. 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. Bodily injury liability insurance covers any injuries you accidentally cause with your car, while property damage liability coverage helps pay for any material assets you damage while driving, such as someone else's car or mailbox. You can face multiple penalties if you are caught driving without at least the minimum car insurance required in Georgia, including fines and the suspension of your license and registration.

For more information on car insurance, coverage options, and more, read the Auto Insurance Guide, written by Georgia Insurance and Fire Safety Commissioner John F. Collision coverage pays for physical damage to your car as a result of your car's collision with an object, such as a tree or other car. For more information on how to establish your insured status, see the Georgia Department of Revenue's acceptable proof of insurance page. The types of car insurance that follow the car in Georgia are liability for bodily injury, liability for personal injury, collision, and all risks.

Before you sign an application for insurance coverage, call your state's insurance department and verify that the company and agent are licensed to operate in your state. Your insurance company pays up to the limit specified in your policy for each type of auto insurance coverage. 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. UIM coverage is a complementary feature of your own policy that aims to protect you in the event of an accident in which the at-fault driver does not have any type of insurance coverage or has an insufficient amount of insurance to cover your damages.

While your vehicle's auto insurance policy would apply first, driver coverage can act as secondary insurance. Your driving history, the area in which you live, gender and age, marital status, previous insurance coverage, vehicle use, and the make and model of your vehicle are common factors that can affect the price you'll pay for your car insurance.

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