Commercial Risk Insurance Broker – How to Choose?
Whether a PAP (personal auto) or BAP (commercial auto), the same rules & laws applies when resolving auto claims. If you are using your vehicle in a commercial venture, or for hire, you must have commercial insurance. There is no practical difference between commercial and private insurance policies, they both protect you financially from liability in the case of an accident. The only difference is the amount of liability carried by each. BAP's are generally much higher than PAP. So to answer your question, NO a commercial carrier will not "replace" your totaled out vehicle. Both carriers have a duty to settle claims fairly & do their best to keep their insured out of court.
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.
There are even some insurers that give low cost auto insurance discounts to customers that have been with them for quite a few years. With in a timely manner.
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