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.

What happens if I am partly at fault for a motorcycle crash in Georgia?

All FAQs

Quick answer: Georgia uses modified comparative negligence (O.C.G.A. Section 51-12-33). Your recovery drops by your share of fault, and at 50 percent or more fault you cannot recover from the other driver.

Georgia follows a modified comparative negligence rule under O.C.G.A. Section 51-12-33. A rider's recovery from the other driver is reduced by the rider's own percentage of fault, and if that percentage reaches 50 percent or more, the rider cannot recover anything from the other driver at all.

Modified comparative negligence works as a direct math reduction. If a rider suffers $50,000 in damages from a crash and is found 20 percent at fault, for instance because the rider was traveling slightly over the speed limit when a car ran a stop sign and pulled into the rider's path, the recoverable amount from the other driver drops to $40,000, an 80 percent share. The insurer or a court assigns the fault percentages based on the facts of the crash: police reports, witness statements, road conditions, and each party's actions leading up to the impact.

The 50 percent line is where the rule changes from a reduction to a complete bar. A rider found 55 percent at fault, even by a narrow margin, recovers nothing from the other driver, regardless of how much the other driver also contributed to the crash. For example, two riders each involved in similar intersection crashes, one assigned 45 percent fault and one assigned 55 percent fault, end up in very different positions. The first still recovers 55 percent of damages. The second recovers nothing from the other party.

This is where a rider's own coverage matters most. When fault is disputed, split, or assigned mostly to the rider, the rider's own uninsured motorist coverage, medical payments coverage, or collision coverage on their motorcycle policy is what pays regardless of how fault gets sorted out, since those coverages respond to the rider's own losses rather than depending on a claim against the other driver. More on how UM coverage functions on a Georgia motorcycle policy is at does Georgia motorcycle insurance include uninsured motorist coverage.

General policy details are at Georgia motorcycle insurance and motorcycle insurance. Because fault determinations affect what a claim actually pays out, riders who want to understand how their specific policy responds in a partial-fault scenario can go through a coverage review to see it mapped against their own coverage limits.