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| Georgia Car Insurance |
If you're planning on moving to Georgia, or have just started driving, you'll want to review all of Georgia's rules and regulations regarding auto insurance. By doing so, you will comply with state laws and save yourself from serious consequences if you do otherwise.
As with every other state in the country, GA has its own statutory minimum limits for auto insurance. Georgia wants to protect consumers from heavy losses in the event of an accident. These laws were put in place to save your money, assets and possibly your life savings. This article will help you learn what to expect from motorists driving in the state of Georgia.
The Minimum Liability Coverage is:
$50,000 for Bodily Injury or death of more than one casualty or accident.
$25,000 for Property Damage this is a slightly higher minimum than in other states. This will cover physical damage done to street poles, homes, businesses, garage doors, buildings, etc.
This can also be known as 25/50/25. The first 2 numbers will cover medical expenses, doctor bills, and funeral expenses. It can get a bit pricey.
Georgia is the Tort State which means that the guilty person and their insurance company will pay for the damages. In addition to the claims he receives, he can sue for additional damages and medical costs if deemed necessary. Because of Tort System policies, insurers usually recommend that you purchase additional insurance, to be fully covered, if you are at fault in a major accident.
GA Drivers are not required to purchase Uninsured/Insured Driver Cover, but it is highly recommended. This type of insurance will protect you if you are exposed to someone who does not have coverage or is not adequately covered.
Punishments and Fines
Insurance companies in this state are required to report any lapse in coverage or cancellation of the policy to the GA State Insurance Department. If you fail to prove insurance for your registered vehicle within a certain period of time, your license will be suspended, and you will have to pay a recovery fee and show adequate proof of insurance. If you are caught in a second offense, your license will be suspended for a minimum of 3 months.
If your license registration is suspended, and you are caught driving, GA law will charge you with a misdemeanor.
Not having insurance is definitely a dangerous offense, and playing around with the rules and regulations regarding auto insurance in GA is just stupid.
Talk to your insurance agent. Get the right protection and coverage you need and be protected every time.
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