Georgia Teen Driver Insurance – Will A Speeding Ticket Affect My Rates?
Reader’s Question:
I have a teenager driver and I am just wondering how I can find out if my teenager has ever received any ticket for any kind for any reason, here in Georgia? We live in West Dougherty, will this affect my insurance rate?
Jane
West Dougherty, GA
There are a few ways in which to obtain a copy of your own MVR or driving history in Georgia. To get your teenage child’s driving record in West Dougherty GA it appears that you will need their authorization. If your teen will permit you to check their record you should be able to see at their driving record online, via mail or in person.
A Georgia Driving History Report (MVR) can be bought in person at any Georgia DDS customer service center location. You will need proper identification and the cost is $5.00 for a three year record and $7.00 for a seven year record.
If your teenager child does not allow you authorization to look at their driving record so you can check if they have any traffic violations or tickets on their Motor Vehicle Record, you may want to verify with the GA DDS to check if there is any way to see the MVR without the child’s consent.
What Is Required For Student Driver Insurance Discounts in Kentucky
Reader’s Question:
What average grade point does a seventeen year old boy in Madisonville, Kentucky have to have for car insurance discounts?
JImmy
Madisonville, KY
I am not aware of certain grade point average that a person must carry in order to be able to have car insurance in Madisonville Kentucky. The state of Kentucky does have a form of the No Pass, No Drive law though that authorizes the Kentucky Transportation Cabinet to have administration regulations with regards to a minor driver licensing applicant.
This administration regulation, KRS 186.400, requires participating schools to inform the Transportation Cabinet if a teenager withdraws from school or is academically deficient. Therefore as 17 year old and are deemed to be academically deficient and you drop out of a participating public school or you will lose your driver’s license.
Teen Driver Car Insurance Rates With MIP
Reader’s Question:
How much will auto insurance go up if a teenager, 17 years old gets an MIP in Michigan?
Bill
Dearborn, MI
If you are a 17 year old that is cited for being a Minor in Possession (MIP) in Michigan it will likely your increase your car insurance rates. How much the auto insurance rate will go up depends on the factors your insurance provider uses. Auto insurance for drivers under the age of 25 or teenagers are already consider inexperience and therefore a higher risk. With a MIP offense the risk factor is likely to go up.
There is no specific insurance rate increase that can be generalized or stated for all insurance carriers. Each insurance carrier is required to file their car insurance rates and rules with your state regulatory body. So the best way to determine how much your auto insurance rates may rise is to talk to someone at your insurance carrier or contact the insurance regulator of your state to see what rates are filed with them for your insurance provider.
Car Insurance After Accident
Reader’s Question:
Whats going to happen if my vehicle is totaled in an accident?
Jim
Chicago, IL
When your vehicle is totaled, the insurance carrier has an obligation to “make you whole,” as that is defined in your car insurance policy.
Most car insurance policies value your car using Actual Cash Value. “Actual Cash Value” meaning replacement value less depreciation.
This essentially means that you have to be left in approximately the same financial position (with respect to the item insured – not in respect to any leases or liens that hold title to your vehicle) you were in before the accident.
If you have physical damage coverage (collision and comprehensive) the insurance carrier will typically write you a check for the actual cash value of the car, less any deductible on your car insurance policy. If the cash value is less than your current loan amount or if you are “upside down” (“Upside down” means owing more on a car than it’s worth.) on your loan or then you may consider GAP insurance. In this case, if you don’t have GAP insurance then you would be responsible toward your loan for the remaining balance.
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