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Agent and witnesses flag uninsured/undisclosed drivers and short‑term policies as growing coverage gaps
Summary
Independent agents and former captive agents told the committee that undisclosed household drivers, short‑term auto policies and affordability pressures are driving uninsured motorist exposures and complicating claims outcomes for Georgia drivers.
Independent agents and insurance practitioners told the committee that uncovered and undisclosed drivers, short‑term or "spot" auto policies, and affordability pressures are increasing the number of drivers on Georgia roads without effective coverage — a trend that can shift costs onto insured motorists and complicate claims handling.
What witnesses said
- David Pattison, an independent insurance broker, said insurers are increasingly unwilling to write certain Georgia risk lines, reducing options and driving up consumer premiums; he said tort‑reform steps are beginning to attract…
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