Guide to Car Insurance in GA
Guide to Georgia Car Insurance Policy Requirements
In Georgia, it is mandatory by law that all motorists hold a Georgia car insurance policy for their car. As a motorist in Georgia, you are required by law to have $25,000 per person bodily injury coverage, $50,000 per accident bodily injury car insurance policy for two or more persons, and $25,000 per accident for damage to property. This type of car insurance is recognized as 25/50/25.
These are just a few of the regulations in Georgia to protect individuals and their cars. To ensure compliance with these laws, insurance companies are required to share information about your policy with the Department of Revenue by way of a statewide database. At the same time, it is recommended to keep proof of your insurance with you anytime you drive. Without it, if you are stopped by the police or involved in a car accident, you could see fines of $200 or having your license suspendedfined or worse.
Georgia is not a no-fault state, but instead, they run under the Tort system. This implies that for all car accidents, one of the involved drivers must be found to be accountable and they, along with their car insurance firm, will be held financially accountable for liabilities resulting from the car 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 insurance coverage is another nonmandatory extension that can be appended to your insurance coverage. This car insurance coverage protects you in the case that the motorist involved is uninsured at the time of the accident.
To guarantee abidance with the rules, Georgia insurance companies are obligatory to provide details of your insurance coverage to a statewide database maintained by the Georgia Dept. of Revenue. It is also urged to carry proof of insurance coverage with you anytime you drive. You may be asked to show this proof if you are involved in a car accident or are stopped by the police.
