Car Insurance Premium Increase Georgia GA
Reader’s Question:
My car was rear-ended while driving in downtown Columbus. The other driver was issued a ticket. Will my car insurance premiums increase because of this?
Julia
Columbus, GA
Determining who is at fault in a rear-end accident is up to the authorities, and various factors are considered in their decisions. But in most rear-end accidents, the one who drove into another car is declared at fault. In your situation, since the other motorist was cited, it means that the police declared him or her as the one responsible for the mishap.
If you have a clean driving record, it is highly improbable that your premiums will increase following an accident that was not your fault. However, if you got into a related traffic accident before this no-fault one, you can expect an increase in your rates. The car insurer may consider you accident-prone if the two related incidents happened within two or three years.
Risk factor is the primary basis for insurance premiums, and car insurance companies calculate the possibility of a policyholder filing a claim. Citations can translate to higher premiums. The good news is that insurers only take note of moving violations. So, having parking tickets or any other non-moving violation would not be counted.
If you have a spotless record and have not been a liability to the car insurance company, then your premiums may not increase. If you are looking at lowering your premiums, consider taking a defensive driving course. Most insurers in Georgia offer discounts to drivers who have successfully finished the course. One ticket dismissal is also granted to drivers who complete the course. But this course can only be done once in a twelve-month period and cannot be repeated more than five times.Drivers need to pay, I think, less than $30 to take the course.
Tags: auto insurance premium, Car insurance discounts, traffic school
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