Coverage & Claims

Will my son's accident on my policy affect my rates?

It will impact both of your rates. He will show an accident on his driving record.

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Car Insurance Costs

Is it possible to have our teenager on a separate auto policy as my wife and I?

Typically, it is not cheaper to have your child on a separate policy. Some of the big rating factors are credit and current insurance status.

General Insurance

Can I drop my 18yo from my car insurance policy?

It depends. Does your daughter still live in your household and drive your car?


Can I go to jail for driving without insurance?

You would not go to jail, but the consequences are not good. Here is a quick detail of what Georgia law says on it: Not having insurance is a misdemeanor.


What's the difference between a vanishing deductible and accident forgiveness

Simply put: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.

Coverage & Claims

Looking to drop full coverage

Only you can make the decision whether or not to drop full coverage or not. But your best bet is to determine the value of the vehicle through Kelley Blue Book or NADA.

Coverage & Claims

My 17yo son lost his license, what do I do with the insurance?

The decision will ultimately be determined by the policy rules of your insurance company. Because he won't be driving for 6 months but is of driving age, your best bet would be to see if you could "exclude" him from your policy for the duration of his suspension.

Car Insurance Costs
Coverage & Claims

Why did my rate go up over $1,000 per year after my daughter's not at fault accident?

First and foremost, I think you should consider shopping around for a new company. Although "not at fault" accidents can have a negative impact on your rate, that certainly seems like an exorbitant increase.

Coverage & Claims

Which driver's insurance pays after a hit-and-run?

If the other driver fled the scene then the only real option would be to report it to the company that insures the vehicle. If the other driver is found later then your company will work it out with the other driver's company and you will likely get back any deductible you may have had to pay.
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