Liability insurance provides the insured party with protection against claims resulting from injuries and damage to people and/or property.
Liability is the legal minimum requirement
Driving without liability insurance is ILLEGAL
Wrecked without liability could mean (pay out of pocket, fines, wage garnishment)
Bodily Injury Liability
pays for another person’s expenses if you injure them in a car accident
This type of coverage typically helps cover someone else’s medical bills.
Loss of income incurred by accident
Property Damage Liability
pays to repair damage you cause to another person’s vehicle or property
covers the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence or building front.
Uninsured Motorist Bodily Injury
covers you, the insured members of your household (resident relatives) and your passengers for bodily/personal injuries, damages, or death caused by an at-fault driver who doesn’t have insurance (uninsured) or, in some states, by a hit-and-run or miss-and-run driver
Uninsured Motorist Property Damage
pays for damage an uninsured driver causes to your vehicle
Uninsured Motorist Property Damage insurance may also protect your vehicle if a hit-and-run driver damages it
Covered property may include personal property as well as your vehicle, depending on the state.
Comprehensive Coverage
coverage that helps pay to replace or repair your vehicle if it’s stolen or damaged in an incident that’s not a collision
Comprehensive typically covers damage from fire, vandalism or falling objects (tree or hail)
Collision Coverage
coverage that helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object (fence or tree)
If your car is paid off, collision is an optional coverage on your car insurance policy
MOVE OVER LAW
Must move over if hazard lights on displayed in car on shoulder
Must slow down below state speed limit if traffic is “heavy”
Considered Moving violation
Up to $500 fine
GEORGIA DRIVING LAW for TEENS
@ 15 teens may receive instructional permit
Must pass written exam
Must have permit for 1 year &1 day
Must pass driving exam
Licensed 16-18 y/o Class D
Driving from 12AM-6AM prohibited
First 6 Months
Immediate family member accompaniment only
After 6 Months
One non-family member under 21 y/o
After 12 months
3 non-family member under 21 y/o
JOSHUA’S LAW
Enacted January 1, 2007
Joshua Brown died in car accident in 2003
Joshua’s parent with the help of legislators changed the game for Georgia driver training requirements
TANDRA (The Teenage and Adult Driving Responsibility Act)
For class D
New 16 y/o driver must complete approved driver education course
Must also complete driving requirement
40 hours supervised driving
6 hours of supervised night driving
New 17 y/o driver exempt from course requirement
Must complete driving requirement
New 18 y/o requirement may apply for class C license
No traffic violations
Any citizen who has withdrawn from school, has 10 unexcused absences, or has any type of conduct infraction may not apply or keep permit/license
