Cheapest Auto Insurance in Georgia For New Teen Drivers
Reader’s Question:
I just got my first car and while I know that I should get an auto insurance here in Georgia, I’d really rather spend the money on a cool sound system. What’s the cheapest auto insurance around for new drivers?
Rod
Savannah, GA
When compared to that high definition sound, the seemingly intangible auto insurance makes no sense, right? I guess auto insurance is a matter of looking at the glass as half-full or half-empty. You can view it as an expense, but I like to look at it as savings. Imagine if you were subject to a nasty collision (though I hope you will never be). Then that cool sound system that you paid for will be lost! It will not be covered by the insurance of the other party (if he was the one responsible for the crash) and all that money spent to get that sound system will go to waste. If you were insured, depending on the type you will get from your agent in Georgia, your sound system can be replaced or reimbursed. This is just one of the many examples on how auto insurance can be useful, and handy, too.
You can find many cheap auto insurances in Georgia if you just look around carefully. Try to have as many quotations as you can prior to deciding on which to pick. You can also get free quotations online from this page by entering your zip code below.
A car is like any other asset that should never be without insurance. The key is finding that one insurance policy that best suits your financial status today and the level of protection you would like. When this is done, you can fully enjoy the thrills of your new ride.
What Happens if My Auto Insurance Policy Lapse
Reader’s Question:
I am curious about what auto insurance law says about lapse in car insurance policy. I mean, I know that there are states that require car auto insurance companies to report to their Department of Motor Vehicles (DMV) once there is a lapse on a driver’s car insurance. What states practice this? I am from Harrisburg, Pennsylvania. Does my home state follow this rule?
Dion
Harrisburg, PA
Every state law differs from each other. Although, I could not give you all the states that requires its auto insurance companies to report to their own Department of Motor Vehicles (DMV) the lapse on a driver’s car insurance policy, I’ll try my best to give you all the states I know which follows this rule.
Following are some of these states: Georgia (GA), Florida (FL), Ohio (OH), New York (NY), Virginia (VA), Delaware (DE), Louisiana (LA), District of Columbia, Oregon (OR), Oklahoma (OK) and your home state Pennsylvania (PA).
In Pennsylvania, if a car insurance policy has been canceled, your auto insurance company is required to notify the Pennsylvania Department of Transportation (PENNDOT). However, you must remember that if the policy holder himself or herself has decided to change his auto insurance company, it is not the responsibility of his or her old car insurance company to notify PENNDOT. It is the responsibility of the policy holder to notify said department.
To get more information about lapse in car insurance policy, check with PENNDOT. If you are looking for new auto insurance company in Harrisburg, Pennsylvania, you can start searching by using our websites.
As a Passenger in a Car Accident – Who Pays My Medical Bills
Reader’s Question:
I was a passenger in an auto accident. I do not own a car or a drivers license so I do not have car insurance at all in Detroit Michigan and I am wondering as to who will pay my medical bills and my lost wages?
Jim
Detroit, MI
To know what insurance carrier is responsible for your lost wages and medical bills will depend the type of car insurance they require drivers to carry.
In the state of Michigan, which is a no-fault state, if you are a passenger in the car accident and was injured typically your own vehicle insurance would pay your benefits. However in a situation such as yours where you do not have car insurance you would collect the benefits from the insurance carrier that covered any car owned by a relative that you reside with. If you did not have auto insurance coverage in Detroit Michigan that way either then you would have to get from the insurance carrier covering the vehicle or driver in which you were riding.
Typically if you are in a state without no-fault laws you would be able to place your injury claims through the at-fault person’s insurance policy. You may contact the insurance regulatory body in Michigan to get more information.
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Is My Teen Driver Covered On Parents Auto Insurance Policy
Reader’s Question:
I would like to know if my 17 year old son is covered by our auto insurance policy in Burbank, California if he takes our vehicle up to the grocery store? He has no auto insurance coverage at all.
Gary
Burbank, CA
If your 17 year old son is residing with you and has started the licensing process already, if he holds a full driver’s license, you have to notify your insurance carrier. Most insurance carriers require you inform them of any household members that are licensed.
Normally your insurance carrier in Burbank, California will require you to add your seventeen year old son to your car insurance policy but depending where he is in his licensing process they may permit you to wait to add your teenage son as an additional driver. If for example he has just started to operate a vehicle and has a learners permit that requires a fully licensed motorist to supervise at all times then some insurance carriers will not require you to add your teen at this time however they will as they get their full license.
Since I do not know the specifics of your car insurance policy, especially the exclusions which may include not covering individual under a certain age, I am unable to tell you if your son would be covered to drive up to the grocery store. You have to talk to your car insurance agent and likely add your son to the car insurance policy so that he will be properly covered for driving any of the household vehicles.
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