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Georgia Car Insurance Requirements

In Georgia, it is mandatory by law that all drivers maintain a Georgia car insurance policy for their vehicle. Georgia requires that all drivers carry 25/50/25 insurance policy. This fundamentally signifies that their car insurance coverage covers bodily injury damage of $25,000 per person, $50,000 per accident and also damage to property coverage of $25,000.

Georgia works under the Tort system, meaning that, unlike a No Fault state, one of the drivers must be found at fault in any given automobile accident. The faulty driver’s insurance firm will then be held financially accountable for all damages resulting from the accident. GA insurance laws do not obligate motorists or drivers to carry personal injury protection coverage, nor do they require the purchase of underinsured insurance coverage. Just because the state does not require these policies doesn’t mean that they are not worthwhile picks for additional coverage. Many Georgians select these optional insurance products to assure adequate coverage in the event of an accident. These rules were enacted to protect people and their automobiles on the Georgia roads. Governing these regulations, the Georgia Dept. of Revenue has a statewide database that insurance firms are required to keep current with a driver’s insurance information. Simultaneously, it is advocated to keep validation of your insurance with you every time you are driving your car. Without your insurance certificate, if you are stopped by the police or involved in a car accident, you could be fined $200 or even have your license suspended.

GA is not a no-fault state, but instead, they operate under the Tort system. This signifies that for all accidents, one of the involved parties must be found to be at fault and they, along with their insurance firm, will be held answerable for damages resulting from the accident.

Personal Injury Protection – This type of complemental coverage covers incremental medical damages and other expenses that are not covered under a standard policy.

underinsured Coverage – This nonmandatory car insurance covers you in the event you are in a motor vehicle accident with an underinsured driver. Since the individual doesn’t have an insurance firm to pay for damages, this car insurance policy will serve to compensate for them.

Georgia car insurers are required by law to input the details of your car insurance policy into a statewide database. This database is kept by the Dept. of Revenue. To protect yourself in the case you are in a accident or are stopped by a law officer, you should always pack proof of your insurance with you whenever you are in the car. Failure to due so can result in fines of $200 or worse

Filed at 11:29 am under Finance News, Hall Of Insurance, Streets + Wheels
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