Guide to Georgia Insurance Requirements
Georgia car insurance regulations assert that all motorists in the state carry liability policies on their vehicles. Georgia requires that all motorists carry 25/50/25 car insurance policy. This basically means that their insurance policy covers bodily injury damage of $25,000 per person, $50,000 per accident and also property damage coverage of $25,000.
These are just a few of the laws in Georgia to protect individuals and their cars. Controlling these regulations, the State of Georgia Dept. of Revenue has a statewide database that insurance companies are obligatory to keep current with a motorist’s insurance information. motorists are recommended to carry proof of insurance at all times. If you are not equipped with an actual card from your car insurance company, you should keep a copy of your policy’s declaration page in your car. You will be asked to present this evidence of coverage if you are confronted for a traffic violation, involved in a car accident or stopped at a roadblock.
Being a no-fault state, all accidents in GA must have one party found financially answerable to be at fault and their insurance firm is also at fault for costs.
Personal Injury Protection (PIP) injury protection is an extension of car insurance coverage that is not contingent upon on who’s at fault in the car accident. It can help pay for medical fees and other financial damages after a car accident. It is not imposed in GA but many people add this type of protection to their car insurance coverage.
underinsured Coverage - This nonobligatory car 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 insurance firm to pay for damages, this insurance coverage will help to pay for them.
To assure compliance with the law, GA insurance companies are demanded to provide details of your car insurance coverage to a statewide database upheld by the State of Georgia Department of Revenue. It is also recommended to carry proof of insurance policy with you everytime you drive. You may be asked for this proof if you are involved in an accident or are stopped by the police.
