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.

What happens if an uninsured driver hits you in Georgia?

Georgia does not require UM coverage but roughly 12 percent of Georgia drivers carry no insurance.

What happens if a Georgia crash costs more than my liability limits?

Your insurer pays up to your liability limit and stops. The remaining balance becomes a personal debt collectible through a court judgment.

What should I do if my car is towed to a shop I did not choose?

In Georgia, you have the right to choose where your vehicle is repaired. If it was towed to a facility you did not select, you can request a second tow to your preferred shop, though you may be responsible for additional tow costs.

What does a telematics app actually track?

Mileage, speed, braking and acceleration, time of day, and phone handling while the car moves. Carriers weight the factors differently, and the program terms disclose what is collected and how it is used.

Auto FAQs

When is National General the right choice for Georgia auto insurance?

All FAQs

Quick answer: National General Insurance (now part of Allstate) writes specialty personal lines including non-standard auto, RV, classic car, and motorcycle coverage.

National General writes Georgia auto insurance for drivers who fall outside the strict profile that standard market carriers require. These situations are called non-standard risks, meaning the driver has something in their history that causes preferred insurers to decline or charge rates that are not workable. National General is available through Olive Cover and specializes in writing those drivers at prices that keep them legally covered.

What makes a driver non-standard in Georgia?

A driver typically falls into non-standard territory after a recent at-fault accident, a speeding ticket or other moving violation, a coverage lapse, a DUI, or an SR-22 filing. An SR-22 is a form the state requires to verify that a driver carries minimum coverage. Georgia sets minimum liability limits of 25/50/25 under O.C.G.A. 33-7-11, and non-standard carriers exist to make that coverage accessible to drivers who cannot obtain it through preferred channels. For more on Georgia's minimum limits, see what Georgia's minimum auto limits require.

Who does National General write in Georgia?

National General takes applications from drivers with recent violations, prior lapses, SR-22 requirements, or limited driving history. The carrier prices those situations at rates that reflect the actual risk rather than simply declining. For example, a driver in Columbus who had a coverage lapse and one speeding ticket found that several preferred carriers declined to quote. National General offered a workable policy that met Georgia's requirements and kept the driver legally on the road while the record improved. To understand how carrier selection works across the market, see how Olive Cover chooses which carrier to place you with.

What does a National General policy cover?

A National General auto policy in Georgia can meet the state minimum requirements or include higher limits of liability, uninsured motorist coverage, comprehensive, and collision. Uninsured motorist coverage pays for injuries or damage caused by a driver who carries no insurance, which matters in Georgia given the state's uninsured driver rate. The coverage options are not materially different from what standard carriers offer; the difference is that National General will write the risk when standard carriers will not.

How does non-standard coverage transition to a standard policy?

Non-standard coverage is generally a bridge, not a permanent placement. After a few years of clean driving, many drivers qualify for a standard carrier at a lower premium. Olive Cover reviews the policy as the record clears and looks for a better-priced option when the driver qualifies. For example, a driver who started with National General after a DUI conviction moved to a standard carrier three years later once the lookback period cleared, and the annual premium dropped by roughly 30 percent. The transition is one reason placement decisions account for where a driver is headed, not just where they are today. See how admitted and non-admitted carriers differ when evaluating a non-standard policy option.

How do you get a National General quote through Olive Cover?

National General is available through Olive Cover for Georgia drivers who have been declined or quoted a steep rate by preferred carriers. A free coverage review compares multiple markets for your situation and shows whether National General or another non-standard option is the right fit today and the best path to a standard policy over time.