Guide to Georgia Car Insurance Requirements

In the state of Georgia, all motorists are mandated to have 25/50/25 insurance coverage. This implies that, your Georgia car insurance policy is mandated by law to hold bodily injury coverage of $25,000 per individual, $50,000 per accident and then $25,000 to cover any damage done to property. Persons that do not hold this minimum amount of coverage can be heavily fined or have your license suspended.

These are just a few of the laws in Georgia to protect individuals and their automobiles. Ruling these laws, the State of Georgia Dept. of Revenue has a statewide database that insurance companies are called for to keep up to date with a motorist’s insurance information. drivers are urged to carry proof of insurance at all times. If you are not equipped with an actual card from your car insurance firm, you should keep a copy of your policy’s declaration page in your vehicle. You will be asked to present this evidence of coverage if you are confronted for a traffic violation, involved in a collision or stopped at a roadblock.

GA is not a no-fault state, but instead, they operate under the Tort system. This means that for all car accidents, one of the involved drivers must be found to be blamable and they, along with their car insurance underwriter, will be held accountable for financial liabilities resulting from the accident.

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

Uninsured/underinsured car insurance is another optional extension that can be added to your car insurance. This car insurance protects you in the outcome that the party involved is not insured at the time of the accident.

To guarantee abidance with the rules, Georgia insurance companies are called for to provide details of your car insurance coverage to a statewide database maintained by the Dept. of Revenue. It is also advocated to carry proof of car insurance with you everytime you drive. You may be asked for this proof if you are involved in a car accident or are stopped by the police.