Folksonomics

Georgia Insurance Laws and Regulations

Georgia car insurance rules assert that all motorists in the state carry liability policies on their vehicles. As a motorist in GA, you are required by law to carry $25,000 per person bodily injury coverage, $50,000 per accident bodily injury car insurance coverage for two or more persons, and $25,000 per accident for damage to property. This type of insurance coverage is commonly known as 25/50/25.

In GA, when an accident occurs, someone is always held liable – this is how the law works under tort law. The faulty driver’s car insurance company will then be held financially accountable for all damages resulting from the car accident. In GA, drivers are not imposed to incremental coverage such as personal injury protection or uninsured insurance coverage. Just because the state does not require these policies doesn’t mean that they are not worthwhile picks for complemental coverage. There are many people in GA who decide that they want to add PIP and underinsured/uninsured coverage to their car insurance. These are just a few of the regulations in GA to protect people and their automobiles. Governing these laws, the State of Georgia Dept. of Revenue has a statewide database that insurance companies are demanded to keep up to date with a motorist’s insurance information. At the same time, it is advocated to keep validation of your car insurance coverage with you each time you are in the car. Without your insurance certificate, if you are stopped by a law enforcement officer or involved in an accident, you could be fined $200 or even have your license suspended.

Being a no-fault state, all accidents in Georgia must have someone found financially at fault to be at fault and their car insurance company is also liable for damages.

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

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

To ensure compliance with the law, GA insurance companies are mandated to provide details of your insurance coverage to a statewide database upheld by the State of Georgia Dept. of Revenue. It is also urged to carry proof of car insurance policy with you anytime you drive. You may be asked to show this proof if you are involved in a motor vehicle accident or are stopped by the police.