Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

Does Georgia require uninsured motorist coverage on a commercial auto policy?

All FAQs

Quick answer: Georgia insurers must offer uninsured and underinsured motorist coverage under O.C.G.A. 33-7-11. You can add it or decline it in writing. It pays medical bills and lost wages when an at-fault driver has no insurance or not enough.

Georgia requires insurers to offer uninsured motorist (UM) and underinsured motorist (UIM) coverage on every auto policy issued in the state, including commercial auto policies, under O.C.G.A. 33-7-11. Uninsured motorist coverage pays when the at-fault driver in an accident has no liability insurance at all. Underinsured motorist coverage pays when the at-fault driver has some insurance, but not enough to cover the full cost of the injury or damage.

The insurer has to offer this coverage; it is not added automatically. A Georgia business, or an individual policyholder, can accept the coverage or decline it, but a decline has to be in writing. Without a written rejection on file, Georgia law treats the coverage as included at limits equal to the policy's liability limits.

UM/UIM coverage on a commercial auto policy pays for medical bills and lost wages for the business's own driver and any passengers when the other driver is at fault and cannot fully pay for the damage. It does not depend on the at-fault driver's assets; it depends only on whether that driver carried enough insurance.

Example: A company van making deliveries is hit by a driver who ran a red light. The at-fault driver carries no insurance. Without UM coverage, the business's driver has no way to recover medical costs or lost income through the other driver's insurance, and would need to pursue the at-fault driver directly, often with little chance of recovery. With UM coverage in place, the business's own commercial auto policy pays those costs up to the policy limit.

Because the offer-and-decline process has to be documented correctly, and because Georgia has a meaningful population of uninsured drivers on the road, how UM/UIM is set up on a commercial policy is part of what a coverage review covers.

Georgia commercial auto insurance covers the broader set of Georgia-specific requirements for business vehicles, and the insurance terms glossary entry on uninsured motorist coverage explains how UM and UIM work in more detail. A related question is whether a personal auto policy can be used for business driving in Georgia in the first place, since UM/UIM rules apply to whichever policy is actually in force. Businesses that also employ drivers should also see when Georgia requires workers compensation alongside commercial auto, since UM covers injury caused by another driver's fault while workers comp covers on-the-job injury regardless of fault.