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Georgia Insurance Laws and Rules

In Georgia, it is called for by law that all motorists maintain a Georgia car insurance policy for their car. Georgia requires that all drivers carry 25/50/25 insurance policy. This essentially means that their car insurance covers bodily injury damage of $25,000 per individual, $50,000 per accident and also property damage coverage of $25,000.

GA runs under the Tort system, this means that unlike a No Fault state, one of the drivers must be found at fault in any given automobile accident. Responsibility for paying related damages lies in the hands of the individual found accountable as well as their insurance firm. In GA, motorists are not demanded to incremental coverage such as personal injury protection or uninsured/underinsured motorist coverage. These policies, while not obligatory, are not a bad option to add onto your car insurance coverage. There are many people in Georgia who decide that they want to add PIP and underinsured/uninsured coverage to their insurance coverage. These laws were enacted to protect individuals and their cars on the Georgia roadways. Overseeing these laws, the State of Georgia Department of Revenue has a statewide database that insurance companies are called for to keep up to date with a motorist’s insurance information. motorists are recommended to carry proof of automobile insurance coverage at all times. If you are not equipped with an actual card from your car insurance underwriter, you should maintain a copy of your policy’s declaration page in your vehicle. You will be asked to show this evidence of automobile insurance if you are stopped for a traffic violation, involved in a collision or stopped by police.

Georgia is not a no-fault state, but instead, they operate under the Tort system. This implies that for all accidents, one of the involved motorists must be found to be at fault and they, along with their car insurer, will be held accountable for financial liabilities resulting from the automobile accident.

Personal Injury Protection (PIP) injury protection is an additional line item of a car insurance policy that is not dependant on who’s responsible for the car accident. It can help pay for medical costs and other financial damages after an accident. It is not called for in GA but many people add this type of protection to their insurance policy.

Uninsured insurance coverage is another elective extension that can be appended to your car insurance coverage. This insurance protects you in the event that the person involved is uninsured at the time of the car accident.

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