Georgia Insists on Car Insurance
Georgia Insists on Car Insurance
By: Tim Anderson
Just in case you don’t know this, you should if you live in the state of Georgia. Everyone must have car insurance.
If you’re a newbie just arriving in Georgia from another state or out of country, one of the first things you will want to know is that you need car insurance. If you think no one will know whether you have it or not, think again. In 2003, Georgia made an arrangement where the state police have access to the Department of Motor Vehicle Safety database. This information clearly shows the police who has expired insurance or no insurance.
Now you may be thinking that if you happen to be carrying an insurance card and have an accident that this is proof enough. It isn’t, and can’t be used as proof of valid insurance. Unfortunately, having the card could mean the driver is trying to pull a fast one on the police. While the vast majority of car owners would be honest enough to actually "have" the required insurance, there will always be exceptions to the general rule.
Now that you know you "must" have insurance, keep one other thing in mind; the Georgia liability limits. That means you will need $25,000 per person for body injury; $50,000 per accident/occurrence; and $25,000 property damage per incident. This insurance covers crashes where the insurance holder is at fault. In other words, if you have car insurance and you were at fault for an accident, then your insurance pays the freight.
Georgia has mandatory apportionment of liability. While it is often the case that one person is deemed entirely at fault, there are situations where one side will only pay a portion of the damages due to comparative negligence. Georgia is not a pure comparative negligence state, as you have to prove that the other side is more than 50% negligent in order to recover anything. If you are 50% or more at fault, you recover nothing.
What does your insurance cover? The collision portion covers the actual physical damage to the owner’s car. Not to make things any more complex than they already sound, but collision insurance isn’t required under Georgia law. It is, however, mandated by most lending and leasing companies. Where this may cause you a problem is if your car is older than the hills you might not elect to insure it since the coverage does not exceed the value of your beater. For newer model vehicles, you may want to opt for comprehensive coverage.
One other form of insurance you may want to consider is uninsured motorist coverage. This offers you extra protection against damage to your car and passengers caused by uninsured drivers and insured drivers. While some people consider this to be an extra expense they don’t want to incur, consider the expenses you will face if you are involved in a collision with an uninsured motorist. You would be responsible to pay for all the damages because the other person could not. Uninsured motorist coverage, in most cases, may be added to your liability coverage in the event your damages exceed that of the liable party.
Tim Anderson works with Atlanta Personal Injury attorney, Stephen M. Ozcomert. The firm specializes in personal injury, malpractice, motorcycle accidents, and wrongful death. To learn more about Atlanta personal injury lawyer, Stephen M. Ozcomert, visit Ozcomert.com.
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By: Tim Anderson
Just in case you don’t know this, you should if you live in the state of Georgia. Everyone must have car insurance.
If you’re a newbie just arriving in Georgia from another state or out of country, one of the first things you will want to know is that you need car insurance. If you think no one will know whether you have it or not, think again. In 2003, Georgia made an arrangement where the state police have access to the Department of Motor Vehicle Safety database. This information clearly shows the police who has expired insurance or no insurance.
Now you may be thinking that if you happen to be carrying an insurance card and have an accident that this is proof enough. It isn’t, and can’t be used as proof of valid insurance. Unfortunately, having the card could mean the driver is trying to pull a fast one on the police. While the vast majority of car owners would be honest enough to actually "have" the required insurance, there will always be exceptions to the general rule.
Now that you know you "must" have insurance, keep one other thing in mind; the Georgia liability limits. That means you will need $25,000 per person for body injury; $50,000 per accident/occurrence; and $25,000 property damage per incident. This insurance covers crashes where the insurance holder is at fault. In other words, if you have car insurance and you were at fault for an accident, then your insurance pays the freight.
Georgia has mandatory apportionment of liability. While it is often the case that one person is deemed entirely at fault, there are situations where one side will only pay a portion of the damages due to comparative negligence. Georgia is not a pure comparative negligence state, as you have to prove that the other side is more than 50% negligent in order to recover anything. If you are 50% or more at fault, you recover nothing.
What does your insurance cover? The collision portion covers the actual physical damage to the owner’s car. Not to make things any more complex than they already sound, but collision insurance isn’t required under Georgia law. It is, however, mandated by most lending and leasing companies. Where this may cause you a problem is if your car is older than the hills you might not elect to insure it since the coverage does not exceed the value of your beater. For newer model vehicles, you may want to opt for comprehensive coverage.
One other form of insurance you may want to consider is uninsured motorist coverage. This offers you extra protection against damage to your car and passengers caused by uninsured drivers and insured drivers. While some people consider this to be an extra expense they don’t want to incur, consider the expenses you will face if you are involved in a collision with an uninsured motorist. You would be responsible to pay for all the damages because the other person could not. Uninsured motorist coverage, in most cases, may be added to your liability coverage in the event your damages exceed that of the liable party.
Tim Anderson works with Atlanta Personal Injury attorney, Stephen M. Ozcomert. The firm specializes in personal injury, malpractice, motorcycle accidents, and wrongful death. To learn more about Atlanta personal injury lawyer, Stephen M. Ozcomert, visit Ozcomert.com.
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Even though I have already written the next post, for my calculations of the first year returns on my 2 properties (in Las Vegas and Phoenix), it happened that I am changing again a property manager in Las Vegas. When looking for a new one, I have read my old posts to remind myself what I should be asking them, but also I have read this good article at Biggerpockets blog. It can help you guys, who will need to find a good property management company for your investment property.
As I described in the last post at Buying Property in USA blog, I was quite lucky, because I found a great real estate agent, who presented me with a few investment properties, with possible seller’s or so called owner financing. I have read a lot of things about seller’s financing before, but it was still something really new for me. I had to offer and negotiate the terms before I could again buy house in usa.
July 23rd, 2008 at 7:07 pm Nice looking bike, but too fancy for training…
Is there an alloy / alu version for this entry level from look ?
How much ?
July 24th, 2008 at 9:24 pm Beautiful!! Any info on geometry specs? The video mentioned a shorter TT and taller HT, is that relative to the 555? Also, I’m assuming the Rival version will be 2009 Rival? If so, @ $2499, this could be one of the best bang-4-the-buck bikes available, and from a renowned bike builder to boot!
July 24th, 2008 at 11:54 pm I updated the photo slide show with the geometry chart. The Rival version of the bike is the new ’09, and will be on the black and white frameset.
July 26th, 2008 at 2:40 pm surprisingly that bike looks like it should cost mucho more. I’m looking forward to reading a full review.
July 27th, 2008 at 7:46 am >>surprisingly that bike looks like it should cost mucho more. I’m looking forward to reading a full review.
Great comment! That’s exactly what I thought when I saw that frame in person. I thought it was their new $4k frame! There’s a lot of tube shaping and the finish is very nice
July 27th, 2008 at 10:37 am Is this replacing the 555? Also is the Rival only available on the white with the SL only on the red? I want a white one with Rival but my LBS is checking to see what kind of ship times we’re looking at. If it’s too long may end up going with the 555…
July 27th, 2008 at 2:32 pm Yes, this is the replacement for the 555. And it was my understanding that the white and black one would be available as a full bike with rival, and the red and black with ultegra SL. How firm they are on that, I’m not sure… but at just $500 more for the Rival, it’s a pretty sweet deal.
August 6th, 2008 at 8:28 pm When would this beautiful machine be abelable?
is there just frame sets?
August 11th, 2008 at 9:54 pm Well I must be honest that while it does look like a more expensive bike than the retail price, and is nice looking, I prefer the looks of the 2008 555, either the red or white of which I am a owner. If this is replacing the 555 then will you have to go up to the 585 in order to get a more racier geometry? I guess we’ll have to see.
August 12th, 2008 at 1:29 am That is an UGLY bike – marketing clowns gone crazy
August 12th, 2008 at 11:56 am Too bad the frameset is so overpriced compared to the complete bike. I like the looks and would like to do the build myself with a campy groupset. If the price was closer to $1200 for the frameset which I thing would be more reasonable compared to the complete bike, I would be tempted to order one.
Landau
August 16th, 2008 at 6:34 pm i just demo’d the look 555 today. i currently have a khs 6061 alum w/ 105 comps. the 555 seemed so smooth i wasnt sure about it. so then i took out a felt4 carbon -alum and wasnt to impressed. in the end i thought the 555 was much smoother, faster, an overall a better ride. the nude carbon look of the 07 frame was really sweet lookin’ also. price was 2800 with the ultegra components. they had an eddy mercyx with similar price range but campy centaur comps but didnt get a chance to ride it(red and black frame with with white lettering, dont know the model) any comments? later, paul t.
September 2nd, 2008 at 11:02 pm it’s shame it isn’t made in france
September 5th, 2008 at 2:15 pm This looks great and I really like the white/black. The design would suit me fine as a more comfortable fast club ride bike, and given its looks and Look’s known customer service and support for their products I’d be very tempted to get it. But look at the wacked geometry: (http://www.cyclesuperstore.ie/shop/pc/viewPrd.asp?idcategory=0&idproduct=22906).
Why such a steep seat tube? The headtube is also really slack, but pared with a 43mm rake fork it would provide the higher trail/nicer stability I favor.
September 14th, 2008 at 5:14 pm Does anyone know what wheel sets will come with the Rival or the Ultegra grouppo?
September 16th, 2008 at 2:30 am I think the ultegra sl version is coming with fulcrum racing 5 wheels. I’m not sure about the rival, but i think the mavic ksyrium equipe wheels.
It could also be the other way around.. my LBS is looking into it.
September 23rd, 2008 at 6:14 pm I have been looking for all info I can get on this bike, I found a website that is showing a Blue and White frame (http://www.bellatisport.com/shop/category/159/product/1071/Look_566_Origin.html), very unlike Look. Anyone know if this is true? If it is will it be available in the U.S.?
September 28th, 2008 at 4:08 pm I’m curious how this compares to the Cervelo RS, Trek Madone 5.2 and Look 586 for that matter. I need a taller head-tube geometry but these often are relegated to “entry-level” so you don’t get much snap under the pedals. I don’t want a spongier bike, but I have very long legs and don’t want to have the saddle so high above the bars. Roads here are terrible and at least the idea of vertical compliance is attractive.
November 12th, 2008 at 2:36 pm Ben, may I suggest taking a Specialized Roubaix for a test ride if you haven’t yet. Not as boutique as Cervelo or Look, but the geometry and design may be a good fit for you. They do have a taller head tube and ride well over poorer roads. I don’t find them spongy at all, either.
November 13th, 2008 at 3:29 pm Wowzer. Been looking around, really liking the Specialized Tarmac in this range, but will definitely have to take a strong look at this one when it hits a dealer in Atlanta. If it rides like it looks, it may even get me up hills!
Coming from a current CAAD3, which I have ridden the hell out of, any of these newer bikes should be awesome.
It’s a smart move for Look, which for me, has always been an expensive boutique brand I wouldn’t have considered. I am considering it now!
December 4th, 2008 at 6:25 pm I did a build through my LBS with the Red/Black frame, SRAM Rival, FSA carbon bars/seat post, and Easton EA90 Aero wheels. Picking it up tomorrow morning. I am so psyched.
I test rode a floor model and was sold instantly.
December 21st, 2008 at 2:14 pm Picked mine up friday, it was a complete suprise present from my wife.
January 10th, 2009 at 12:17 pm The prices on here need to be updated.
the rival model should be $2699.99
and the Ultegra SL should be $3199.99
April 2nd, 2009 at 9:18 am The idea of flattening the seat stays and providing a tall head tube was done back on the Lemond Triomphe series of bikes from 2007-2008. As an owner of a 2007 Lemond Versailles, I must say this geometry works very well for me, a weekend warrior at 6’2″ with relatively long legs. The beefy bottom bracket keeps the acceleration very responsive, while the taller head tube gets the bars up to the perfect height without 2″ of ugly spacers. I also suspect that making the head tube taller rather than using spacers adds to the structural integrity of the bike. Steering feels solid, and it’s the most comfortable bike I’ve ever ridden.
June 10th, 2009 at 2:42 pm I recently rode the 566, built with all SRAM Rival components, along with a few friends of mine. We each have a different background in cycling and were able to give some interesting perspectives on it. Personally, I thought it was great. Check out what everyone thought at bikerumor.com. http://www.bikerumor.com/2009/06/09/bikerumor-review-look-566-origin-road-bike/
June 11th, 2009 at 11:24 am I’ll give you a little background, I’m about 6’4″ and weigh 245 lbs, a bigger guy to say the least. Anyways I was looking to upgrade from my current Aluminum 105 roadie setup and take the next step, which for me was Carbon. I wanted to spend way less but after looking at the Cannondale Synapse 4, Scott Addict, Specialized Roubaix and Tarmac, i went with the Look 566. With that said I recently purchased this bike from the LBS and have to say after the 3 week wait to have it delivered, LOOK, USA was out in the XL and had to have it shipped from overseas, it was well worth it. I went with the white and black SRAM Rival setup and switched to some Mavic rims, I also upgraded the shifters to SRAM Red levers, well worth it for the extra money, and it really wasn’t that much more. Compared to all the other models i looked at this bike blew them away, it is fast and comfortable. The tarmac was nice but to aggressive for my type of long rides. The other models, felt too soft and slow, not the getup i still wanted. My maiden voyage was last weekend, we did 60 miles and it was great, I’d have to say i’m a good 2mph faster on this bike, with no difference in effort. I would recommend this bike to anyone considering you can do high mileage and still race it if you want, as they describe it, plus its gorgeous to look at. Also LOOK shipped me the 2010 model which i was told has gone up about $300 from the $2699 MSRP, they changed the paint job a bit but ultimately the same.
June 20th, 2009 at 11:52 am Also looking at the Madone 5.2, the Felt F3SL and Felt AR4. I haven’t ridden the Look yet but the lack of internal cable routing on the top tube is a bummer, even though this bike is less expensive than the other 3 I mentioned.
June 30th, 2009 at 10:35 am wow “entry level” road bikes go for $2500 nowadays? nice lookin out for the workin’ stiff, Look!!
April 28th, 2010 at 2:53 pm Cool! I am impressed…nice looking bike.
May 31st, 2010 at 5:12 pm I just bought 6 for all of my friends…
WAT a steal..
June 3rd, 2010 at 6:32 pm @ Rick: \Too Fancy for training. Is there an aluminum version?\
Are you kidding? Have you read the description of the bike? The entire point of this bike was to offer recreational cyclists the opportunity to get into CARBON for the type of riding they tend to do–centuries, fitness training, the occasional club ride or CAT 4 race while keeping it affordable. The carbon stays and top tube have been flattened in areas that allow for flex and comfort that a strictly race frame don’t offer. An aluminum frame, even an alu front triangle would defeat the entire purpose of this bike.
I think labeling this an entry level bike is misleading. Most entry level road bikes are cheap, heavy, bikes perhaps with race geometry and graphics that do little to help average riders get the most of their ability. This bike is unique in that it is actually designed for the needs of the type of rider that will buy it, unlike many racer copies in this price range that hold their rider back with too aggressive geometry and inferior componentry. I have this bike but with Campy Record/Chorus and Mavic Ksyrium SLs. It is now a 15.5lb. machine and is the perfect bike for me. It does what I need it to do better than any other bike out there and leaves me nothing to want in my bike. The only limitation I have now is me.
November 30th, 2010 at 7:45 pm i looked @ this bike during the summer was 2,500 looked like a good deal but still a lot of money, just bought it last week @ realcyclist.com for 1,249 they then reduced it to 1,001 two days later and honored it, VERY HAPPY. Deal of the year.
February 8th, 2011 at 9:59 pm I have owned my LOOK 566 for 6 months after my previous bike being a Colnago C50, and honestly, I love the LOOK 566. The feel of the bike is very rigid and responsive and great looking in white & red with 50mm carbon wheels…westie from OZ…