Articles Posted in Auto Insurance

If you’ve ever applied for a new auto insurance policy, you’ve probably been given the option to install a device in your car that tracks your driving habits. These devices are known as “telematics” and almost all major insurance companies now offer them to their customers in exchange for potentially reduced premium rates. The devices attach to the vehicle’s OBD-II port and collect data from your car’s computer. Insurance companies can program them to monitor different metrics, but some of the most common are:

  • Time the car was used
  • Distance driven

All 50 states and the District of Columbia require registered drivers to carry auto insurance. This is to guarantee that anyone injured in an auto accident will be appropriately compensated. Georgia’s auto insurance system is based upon fault, meaning that at-fault drivers are liable for personal injury or property damage resulting from an accident, and the at-fault driver’s insurance company will satisfy the liability. This is in contrast to “no-fault” systems, in which each driver’s insurance covers its own policyholder, regardless of fault

If you are injured in an automobile accident, there are three ways to seek compensation:

  • File a claim with your own insurance company, which will then seek compensation from the at-fault driver’s insurance company

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