Conductor Info

Guide to GA Insurance Requirements

In the state of Georgia, all motorists are obligatory to have 25/50/25 insurance policy. For Georgia car insurance, 25/50/25 is simple short form meaning $25,000 coverage per individual involved in a collision, $50,000 insurance coverage per accident for two or more persons, and $25,000 coverage for any damaged property during a car accident. Persons that do not keep this nominal amount of car insurance can be fined or worse.

In Georgia, when an accident occurs, one of the drivers is always held at fault – this is how the law works in a tort system. Responsibility for paying damages lies in the hands of the individual found answerable as well as their car insurer. In Georgia, motorists are not called for to extra coverage such as personal injury protection or uninsured/underinsured insurance coverage. Just because the state does not require these insurance policies doesn’t mean that they are not worthwhile alternatives for extra coverage. Many Georgians invest in these nonobligatory insurance products to guarantee adequate coverage in the event of a car accident. These laws were created to protect people and their cars on the Georgia roads. Governing these rules, the Georgia Dept. of Revenue has a statewide database that insurance underwriters are required to keep current with a driver’s insurance information. Concurrently, it is encouraged to keep proof of your car insurance coverage with you every time you are driving your car. Without this proof, if you are stopped by a law enforcement officer or involved in a car accident, you could be fined $200 or even have your license suspended.

Being a no-fault state, all automobile accidents in Georgia must have someone found financially responsible to be at fault and their insurer is also accountable for damages.

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

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

To assure compliance with the law, GA insurance companies are called for to provide details of your car insurance coverage to a statewide database kept by the Georgia Department of Revenue. It is also encouraged to carry proof of insurance coverage with you anytime you drive. You may be asked to show this proof if you are involved in an automobile accident or are stopped by the police.