As a consumer, many of us don’t think about car insurance as being on the top of the list. By law, we are required to have insurance on our vehicles; with just a few exceptions. Comparison shopping is good, but remember that low price doesn’t always qualify as the best deal.
It is your responsibility to contact your insurance provider or agent immediately following an accident regardless of fault. In addition, it’s important that you know what is required of you regarding your insurance policy’s restrictions and guidelines. Word of advice; read your policy and ask your agent to clarify things you do not understand.
I was involved in an accident where the police would not list either party as being at fault. Then the person went back to their agent and said it was my fault. If I had not notified my insurance company at the time of the accident, I might have been blamed.
You never know unless you ask but a lot of time you can receive discounts. Through past experiences, I have been able to lower my car insurance by carrying my homeowners insurance or renter’s insurance with the same company. You never know unless you ask.
With so many options available in companies and rates, it’s best to research different carriers online and locally in your area. There are also agents that will research many different companies to get you the best rate. Choosing a company and agent that works for you is important.
There are some exemptions to the insurance requirement, so check with your agent to see if you vehicle will qualify. We bare the responsibility for our transportation. When we allow someone to drive our vehicle and they have a wreck; we are still held accountable, not our insurance company.
When you car is insured and the policy is written, the car insurance companies are required to submit your policy details into a database. All drivers of a motor vehicle are by law required to carry liability insurance on their cars.
The department of revenue in Georgia is able to detect which vehicle owners who are negligent with their insurance. As noted above, due to this requirement the Department of Revenue is able to monitor the car insurance holders. They will compare the registrations in their database to those who don’t have an active car insurance policy.
Whatever your insurance needs are you can be sure that either online or through a local agent, make sure that your needs are covered. Car insurance can be a tricky things and it’s best to make sure your vehicle is totally covered. Spending unnecessary dollars on fixing your vehicle is not something any of us would like to do.
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