Auto insurance guards you against monetary loss if you have an car accident. It is a agreement between you and the insurance company. The premium for the policy is paid and the insurance company agrees to pay your losses as outlined in your policy. Auto insurance companies provide property, liability and medical coverage
Property coverage reimburses for damage to or theft of your automobile.Liability coverage reimburses for your lawful responsibility to others for bodily injury or property damage..Medical coverage reimburses for the cost of treating injuries, rehabilitation therapy, sometimes lost wages, and funeral expenses
Motor Vehicle Losses
In the past individual's would only use their own vehicle. However, today in our society today a family will have 2 plus vehicles and possibly drive a car or truck registered to and employer.
1. QUESTION: I work using my car to deliver pizza. Does my insurance cover me while I am driving for this employer?
ANSWER: Probably not. Most passenger auto insurance policies do not provide coverage when the vehicle is used to deliver property, i.e. pizzas or people for a fee (salary, tips, etc.). Coverage would probably be denied if an accident occurred while you were using your personal vehicle for these purposes. Check with your employer to determine if the they could provide you coverage while you are driving for this employer.
2. QUESTION: My driver's license expired a few days ago. I borrowed my neighbor's car, with his permission, the neighbor's insurance carrier and mine have denied the claim. Saying I didn't have a right to drive the car, because I had no current driver's license. Can the carrier do this?
ANSWER: Many policies state that you are not insured in these circumstances, as you were fully aware that you could not legally drive the car. However, check with your locate Motor Vehicles Division (DMV) to verify if there is a grace period for and expired driver's license.
Auto Repair Quality
A Policy Holder of Atlanta Auto Insurance will reach an agreement with the insurance company as to the dollar value of the claim. The body shop did not repair to the standard of the original manufacturers standards and the owners. This can cause obvious problems, the consumer must contract with a body shop and approve the completed job. The Insurance carrier will not contract repairs for your vehicle, the policy holder is responsible to do this, for obvious reasons.
3. QUESTION: I was in an auto accident with one other party. The other party was at fault. The liability coverage has been paid to me for the cost of repairs, but the body shop has not repaired the car satisfactorily. What can I do?
ANSWER: Although you settled the claim with the insurance company, your problem is with the body shop, with whom you contracted for the repairs. Do not pay the shop until you are satisfied with the completed job. You may have to settle the dispute with the shop through litigation in civil court. The Insurance Commissioner's office has no authority over the repair facility. You may want to contact the better business bureau.
4. QUESTION: My insurance company has an estimate to repair my car for $1450.00 from a local body shop, but I want to have the car repaired at another shop for $250.00 more. Can I require the insurance company o pay me the difference between the two estimates?
ANSWER: If the estimate of the Insurance company is that of a reputable body shop or if any other shop will do the work for that amount, the insurance company will not have to pay you the difference in the estimate. You can, of course, take your car to any shop of your choice, but in these circumstances you have to pay the cost differential.
5. QUESTION: The insurance company wants to use aftermarket parts rather than original manufacturer's parts. Is that legal?
ANSWER: Yes, as long as the estimate indicates such parts are being used, and the guarantee of the manufacturer is stated on the estimate.
Liability Claims from Third Party
These claims are asserted against a consumer, based on the allegation that the loss resulted from the consumer's alleged negligence. In brief, it protects that consumer, up to the amount of insurance involved from adverse judgments. That if not otherwise paid, can become a lien on your home or real property.
6. QUESTION: The other party's insurance company has denied my claim stating their insured was not liable, although I provided them with a copy of the police report that clearly states their insured was at fault. Can they do this?
ANSWER: The insurance company conducts its own investigation and makes its decision as a result of that investigation. The Georgia Code says that carriers will have a procedure to insure prompt investigation and settlement of claims. Thus a carrier has some leeway in the elements used in investigations. The Carrier may take statements of both drivers and any witnesses, reviewing the police report, inspecting the accident site and checking the points of impact on the involved vehicles.
7. QUESTION: I was in an accident and the other party was clearly at fault and the policeman gave the other guy a ticket. The other guy's insurance company is refusing to pay for my damages because they feel I was somehow at fault. Can't the Commissioner's office force the other guy's insurance company to pay for my damages?
ANSWER: Determining who was at fault, blame or legally liable in an auto accident does not fall under the legal purview of the Commissioner's office. This involves a question of fact and a civil matter which can only be settled in the proper court. However, your Insurance company should be able to settle the matter in your favor if what you say is fact.