Knowing The Georgia SR22 Insurance Requirements

October 19, 2017 · Posted in General Articles on Car Insurance · Comment 

Following the Georgia SR22 insurance requirements is simple but strict. The state is one of three that offers more serious consequences if you have driving problems. The SR22 is a certificate of insurance that your insurer must file with the state once such insurance is in place. This type of liability insurance denotes the driver’s financial responsibility. Usually, a court will mandate that such insurance be procured and then maintained for a specific time period.

In Georgia, a court can order you to procure and maintain SR22 insurance for several reasons. Such things a DUI conviction, unpaid tickets, many repeated moving violations as well as not having insurance may be the cause for such requirement. Courts frown upon such violations of law and shall require you to have SR22 insurance.

This insurance must be kept current and active for at least a three year period. Exceptions can be made for less or more time depending on the seriousness of the offense. However, in Georgia such time period will usually be for three years. If the insurance at any time becomes canceled, terminated or lapsed this term will begin again anew. It does not matter how little time is left on the original order. It will start from the date the new SR22 form is filed.

If you still continue to violate traffic laws, again you will be required to get SR22A insurance. This type of policy has to be paid upfront for the first six month term and cannot be paid monthly. This is quite costly. If you violate the original SR22 order you will restart the term and be required to get the SR22A insurance. Keep and maintain such insurance

A court may order you to maintain this insurance without regard to whether you have a car or not. Yes, even if you do not own a vehicle, the court will require such insurance. In this case, you need to ask your insurer for a non owner policy. The only time a bad driver can list a non owned car, is if such driver’s spouse owns a car.

Since it is illegal to drive in Georgia without insurance, the state needed a way to follow the insurance status for all the drivers in the state. Because the state can not do such tasks, they placed such burden on you and your insurer. They also shift such cost to you. When one of an insurer’s clients has a policy that has lapsed, canceled or been terminated and the insurance is no longer current on their policy, the insurer notifies the state. This is what makes the SR22 insurance different from normal insurance. There will be requirements for minimum insurance coverage as well.

You must advise your insurer that such requirements are now needed. However, your insurer may not offer such insurance. Because of such requirement, you are a big risk to them. If they do insure you, then you can bet that you will pay a lot more for insurance. The added need to document your status accounts for increased rates as well.

You should follow all the Georgia SR22 insurance requirements to avoid losing your driving privileges or having to obtain SR22A insurance. Keep your address updated with your insurer and state as this requirement is also mandated under Georgia law.

 

Involved in a Car Collision? This is What You Have to Do

October 19, 2017 · Posted in General Articles on Car Insurance · Comment 
by Amy Nutt

If you drive frequently, then you know that accidents are a common occurrence on the highways, within the city, when travelling and during the course of your daily commuting. Accidents are a dime a dozen and can be fatal, mild or severe. Whatever the case, if you get involved in a collision, here’s what you should do:

1. Check the State of People Involved

The very first thing to do is check if no one is hurt. This will determine what your next step will be. If someone is hurt, call the police immediately. It is a crime to hit and run or leave someone injured in an accident to his fate. If the accident is fatal and you can move, try what you can to keep anyone alive. In cases of fire, see if you can extricate any of the individuals. If you can, bring them out gently and move them far away from the inferno. Then check to see if they are alive. Lay them down in a position where they are facing upwards and see if they can talk. If they can, ask them simple questions to see if they can still recall things. If the police hasn’t arrived by this time, try to keep them alive. If anyone is bleeding try to tie a tourniquet around the bleeding part. If it is in the limbs, try tying it at the upper part so that the individual will not lose too much blood.

2. File an accident report within 10 days.

This will ensure that you do not get your license suspended. For accidents whose damage assessment is less than a thousand dollars, you should exchange details such as driver’s license numbers, phone numbers et.c. In cases where a domestic animal is hit, you should do all in your best to contact the owner.

3. Contact your car insurance company

There is a reason it is generally advised that all car owners obtain some form of auto insurance and it is that in cases of theft and collision, the insurance company can pay after you make your claims. If the claims are justifiable and proved true, then you will get your benefits. While the insurance may not be able to pay you everything, they can reimburse you to the tune of eight, sometimes ninety percent. That’s at least better than having to scrape up the money for a new car if the car is totalled or pay for the repairs of a slightly damaged car. Therefore, as soon as you can, get in touch with your insurance company and file a claim. This should be attended to before long.

4. What’s Your Status?

This simply means “who was responsible for the collision?”. What were you doing before the accident? If you were drinking and driving or making out, then it might interests you to know that no insurance company is going to be responsible for your excesses. So, be careful particularly when you are filing your claims.

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Why the Low Cost Car Insurance Provider is Different

October 17, 2017 · Posted in General Articles on Car Insurance · Comment 

As with any consumer looking to lower price goods or services, there is a healthy level of skepticism on how good something can be if the price that is asked for is low. This also extends to the car insurance industry as clients look to low cost car insurance products with a healthy level of skepticism. Many think that car insurance products that are sold at lower costs have some sort of inherent problem. We can certainly understand this concern and we hope that we can guide potential users in the right direction with regard to cut priced car insurance products.

The first problem that has to be addressed is that car insurance products that have low costs aren’t all bad. There are some that are good and genuinely provide very good coverage at an extremely competitive price while there are those that compromise on the quality of coverage and also have horrible pay-out ratios just to keep prices down. The market is abounding with each of these types of low cost car insurers. It is up to the consumer to determine which ones are the good ones and which are the ones are to be avoided.

We are going to go through the some of the characteristics of a good low cost car insurance company so you can better recognize them when you see them. One of the universal truths about budget car insurance providers is that they have very limited advertising budgets. Naturally, if their budget for advertising were large, then they would have to pass on the costs to their clients and thus not giving them the low cost car insurance policy that they seek. Most of them would be from unheard of companies or your regular neighborhood insurance agency who only advertise on the local papers etc. You would certainly never hear of them over the TV or in multi-national magazines etc.

Car insurance agencies that focus on low cost policies also generally aren’t very fancy when it comes to their offices, frills etc. One of the best ways is to have a look at their operations and office centers. They normally have small offices with workers running around like busy bees. They do not have some fancy address in the middle of the city centre. They generally have relatively spartan offices and don’t have an air of pretentiousness when you enter the office. It is very much down to business with them.

As an extension of that, car insurance companies that focus on the budget insurance market are almost always small companies that are striving to work their way to something bigger. The will generally have their offices situated in the suburbs and will not be a company that you will instantly recognize or have even heard off. They keep their office operations small so they can keep costs to an absolute minimum and pass on the savings to their customers in terms or lower cost premiums.

Most low cost car insurance companies are also new start-up companies which have only been around for a few years. It is very rare that you will find an old company that does low cost insurance deals. If you pay a visit to their office you will be able to find out if this is the case. There are however exceptions, the first is if a established insurance company is going through a rebranding exercise, they could be expanding their market reach downwards and offering very good deals to entice new customers their way. If you have identified one of the low cost car insurance providers that is just a start-up, it is your responsibility to find out how trustworthy they are and if their pay-out ratios are good. Start-up insurance companies have a bad habit of giving too good a deal in the front-end and being unable to cover their end of the bargain at the back-end.

Low cost car insurance providers are also very specific in the products that they offer, namely car insurance and only car insurance. They don’t venture into other finance items and have very few product options available. They certainly do not try to sell you “rider” products where you get a special discount if you sign up to multiple products all at once. They generally don’t have special deals or prepackaged product lines. They will sell you their low cost coverage and that only. This is quite different with larger full service insurance companies who will try to relieve their customers of as much money as possible. Smaller overworked budget car insurance companies will only concentrate on keeping their premiums low so customers are attracted back to them. They do not have the time to sell you other associate products as they themselves have a very limited product range.

The low cost car insurance provider is a very different animal compared to the full service insurance providers. Some larger institutional insurance providers may try to pass themselves off as budget providers but always fall short when it comes to the price of the car insurance coverage. It is up to you, the car insurance customer, to find the right provider for you. Just because the price is right, doesn’t mean the coverage is adequate.

A look at how you can lower your car insurance costs. We look at the different options you can use to push rates down to the lowest level.

How to Lower Car Insurance Rates for Teenagers?

October 17, 2017 · Posted in General Articles on Car Insurance · Comment 
Almost all teens want to have their own cars. It maybe because of peer pressure or maybe they just wanted to enjoy adulthood by driving independently. Giving a car to a young driver is always a struggle – both for the parent and the teenager himself. While parents are worried about car safety and insurance premiums, young drivers are mostly concerned about how they fare with other kids their age who were already given a car by their parents. But at the end of it all, parents would have no choice but to give in to their teens as they reach the legal age. They would have to learn how to drive anyway. Purchasing the car may come later, as car insurance for teenagers can really be a big headache.

But once your teenager finally gets his hands on his driver’s license, the trip to the car dealer becomes imminent – unless of course you want him to borrow your car all the time. More than being concerned about the type of car you’ll give your son, you must be more interested on the car insurance coverage for teenagers. It could really go up the roof if you don’t know the techniques to make it low. With the guidance of a reliable car insurance agent, you will have more or less a good idea what kind of car will be perfect for your son.

Here are tips on how you can lower the car insurance for your young driver. Follow them and you’ll be ensured of the safety of your son or daughter.

1. Learn about deductibles.

This corresponds to the amount you are to remove from the total insurance claim. High deductible means lower premiums. Lower deductibles results in higher premiums.

2. Consider the car’s safety features.

When companies quote car insurance for teenagers, they always consider the features for safety of the car they’re driving. And so when buying a vehicle, get the one with airbags, automatic braking system, and pressure monitor. The more safety features the auto has, the lower the premiums will be.

3. Add your teenager to your own policy.

Some car insurance providers allows for a child rider to an existing policy. Check if this feature is supported by your own policy. This way, you’ll just add a minimal amount to your monthly premium and both you and your teenage driver will be covered.

Of course, safety comes first. Make sure that your teen is a responsible driver. Let him or her understand that driving is a serious task. By being a defensive driver and by following all the traffic laws enforced, it is easier to lower down the rates of car insurance for teenagers.

National Automobile Insurance – There Are Many Choices.

October 16, 2017 · Posted in General Articles on Car Insurance · Comment 
by John Paulsonmen

When it’s time to look for national automobile insurance, it’s important to find the coverage that works best for you. Most of the time people spend hours comparing prices and plans between competitors in hopes of a great deal. It’s a crucial part of the process and something that everyone should do. You also want to make sure you utilize all the tips we’re about to give you as well. In the end you’ll be able to save money and get a good coverage.

What is the age and value of the vehicle you are looking to insure? If you carry a comprehensive insurance policy for your old car you may be eligible for a lower insurance rate. This may mean that after a car accident you will have to cover costs that your insurance policy doesn’t.

Once you’re past this point you have to look for a few breaks along the way. Figure out if they offer a specific discount for reaching a certain age. See your insurance is going to change from time to time depending on your life situations. Things like getting married, getting another car, or moving out of state can make the difference. We recommend looking into all these avenues.

Insurance costs always fluctuate as they are constantly looking to obtain your business. There are some substantially cheaper companies when looking at the cost. This is the reason why you should thoroughly check all of the options before choosing one specific company. You can purchase an insurance policy where you live or online. It is quite easy to do. Simply choose what coverage you’d like and print out your temporary proof of coverage until your insurance cards arrive in the mail.

It really doesn’t matter if you go with a large insurance company or a smaller one. Each situation is different and the only reason this would make a difference is with money or their reputation. You could find something like owning more than one vehicle saves you more money in the long run.

Oh and don’t forget about their reputation. You have to know that the insurance company you’ll be paying is going to come through in the clutch, so be sure to do a background check. Since they’re going to be checking your background to see if you will make timely payment, check theirs to see if you can trust them. The BBB always keeps records of insurance companies for complaints and resolutions.

Then again, many families will need to stay within a strict budget. When this happens we tend to jump on the bandwagon of the cheap company. While this is more affordable, and we understand why you’re going with them, check to see what else is out there. You may find that for a few bucks more you can get all kinds of extra coverage they weren’t going to offer you. See, national insurance companies have to abide by the state laws, so make sure they do so for you.

What it will eventually come down to is the various payment schedules. Usually auto insurance is set up with six month programs and you can either pay it all upfront, or make a monthly installment. Whatever decision you make is going to depend on your financial situation. You’ll get a big discount if you pay upfront, so if you can afford it, we recommend it. When it’s all said and done you’ll get the coverage you need, just in case something goes wrong. Plus, you’ll save money in the process.

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