Georgia Auto Insurance

Required Coverage Minimum - 25/50/25. In Georgia, every motorist registering and operating a motor vehicle must possess Georgia auto insurance policies with a minimum coverage limit of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in any one accident, and $25,000 for property damage. It is considered prudent to obtain higher limits, especially if you own assets should you be sued for liability.

Mandatory Georgia Auto Insurance Coverage - In Georgia, you are required to maintain a Property Damage Liability policy and Bodily Injury Liability policy

Optional Georgia Auto Insurance Coverage - Georgia auto insurance companies offer optional coverage: medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.

You should consider purchasing any or all of these optional coverage policies, especially Uninsured Motorist and Underinsured Motorist coverage. These policies help cover the cost of your injuries and property damage should you be in an accident with a driver with inadequate liability insurance.

Proof of Georgia Auto Insurance - In Georgia, you must have proof of valid auto insurance with the minimum liability limits in your vehicle at all times, and be prepared to show it to law enforcement if so requested. Your valid insurance card will satisfy this requirement.

Penalty for Failure to Comply - In Georgia, the penalty for a first time offense is a 60-day license suspension and registration suspension.

Georgia Auto Insurance Laws to Note

In Georgia, liability insurance coverage is required to legally operate vehicles, to register and obtain Georgia license plates, and to renew, replace, or transfer existing Georgia license plates.

In Georgia, non-motorized vehicles (Trailers, campers, etc.) and vehicles exempt from registration (Snowmobiles, bicycles, mopeds, all-terrain vehicles, golf carts, etc.) do not require insurance coverage.

Georgia auto insurance law states that insurers must be licensed with the Regulatory Services Division of the Georgia Insurance and Safety Fire Commissioner’s office (ICO) to issue Georgia liability insurance policies for motor vehicles.

Georgia auto insurance law requires your insurance card must be carried in your vehicle at all times.

Effective January 1, 2004, Georgia liability insurance coverage requires a valid insurance coverage indicator on your vehicle's tag record on the Department of Motor Vehicle Safety's tag and title database, Georgia Registration and Title Information System.

Non-Seatbelt Use
In Georgia, you can be pulled over for non-seat belt usage.
The penalty for seatbelt non-compliance, is a $15 fine per any seat in violation of this law.

Lawsuits In Georgia, there are no restrictions on lawsuits for Tort liability resulting from an accident

Georgia Commissioner of Insurance

Two Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, Georgia 30334
Main Telephone: 404-656-2070
Toll Free: 800 656-2298
Fax: 404 657-8542

Website: Office of Commissioner of Insurance

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