What Are The Exceptions For Not Having Car Insurance in Georgia
Reader’s Question:
What are the exceptions for vehicles not to be insured in Georgia?
Therese
Good Question Therese.
There are occasions that a car need not to be insured. If your car qualifies for one of the exceptions, you will be needing to file an affidavit stating the reason and you will be from the lapse fees and penalties for not having car insurance on your vehicle.
Here are the list of exemptions:
1. if the vehicle was sold or if the ownership was transferred
2. if the owner moved to a different state or if th owner of the vehicle was transferred out of state
3. if the vehicle lease was terminated
4. If the vehicle was wrecked, salvaged or junked
5. if the vehicle was repossessed, stolen or not driven because its inoperable
6. if the vehicle was stored or used seasonally for agricultural purposes
Those who are in the military are also exempted if they are deployed and the vehicle is not being used. You will need to fill up an affidavit to claim your exemption if you are in the military. You can file this at your local tag office before, during or after your deployment.
What Is The Minimum Liability Car Insurance In Georgia?
Reader’s Question:
What is the minimum liability coverage in Georgia? Thank you.
Fred
Thank you for asking Fred.
Georgia law requires all motorist to purchase the minimum liability coverage of some or all of the following types of the liability coverage. the liability coverage includes :
Bodily injury liability
This would protect your assets if in the even of auto accident you are held liable for the people injured or killed
Property damage liability:
This covers the repairs and the replacement of the car and properties of other people
Uninsured/underinsured coverage:
This covers and insures you of your losses caused by other drivers with little insurance or no insurance at all.
You may also want to purchase more than the minimum amount of coverage required for Georgia to fully protects you. Although this is optional in most states, it makes sense to purchase them unless you can afford to pay for the damages in case of accident.
Collision:
this pays the repair or replacement of your car if its damaged due to accident
comprehensive:
covers all the damages to your car against theft ,flood or vandalism..etc
medical payments or personal injury protection
covers medical expenses that is not covered by your health insurance or your passengers
The best coverage to choose are those which will gets you fully covered and saves you an amount of money. You may call your insurance company to discuss which coverage suits your needs.
Goodluck!
MariCAR
Auto Insurance Tips For Cheaper Georgia Rates
Georgia Auto Insurance
In Georgia, like in any other state, accidents happen, fenders get bent, people get hurt. So when disaster strikes, auto insurance is there for you to protect you.
Why should you purchase an insurance?
1. Car insurance protects you from any financial risk with any injuries and property damage that are caused by accidents. This may also include any acts of nature, theft and vandalism.
2. It is mandatory in Georgia that all motorist should have the minimum liability coverage. Other types of coverage may be optional or required depending on the regulation of the state.
3. If you have an outstanding car loan, you will be required by the car lender to have a minimum liability coverage of car insurance.
If you are having a hard time paying your high premiums on your car insurance, it is best to know what are the factors that affects your insurance premiums. Your age, the state where you live, where your car is garaged, the model of your car, and your driving record are just some of the factors that determine your insurance rate.
Here are some of the things that may help you lower your insurance rate:
1. increase your insurance deductibles
2. ask for any available discounts
3. avoid purchasing a vehicle that is prone to theft or vandalism
4. Keep your car safe in the garage
5. eliminate optional coverage
6. maintain a good driving record by driving safely
MariCAR
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