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Factors You Should Know About Georgia Auto Insurance Laws Before Getting A Policy

Auto insurance laws are rather strictly enforced in the state of Georgia, for which reason it is necessary for you to make sure that you never drive your car insurance having an insurance policy at hand.

It is necessary for motor vehicle owners that are situated in Georgia to continually make sure that their mandatory auto liability insurance coverage over their cars are regularly maintained. The vehicle needs to be legally driven, should have a Georgia based license plate or tags, and the tags should be renewed, replaced or even transferred to the original owners name.

In terms of the minimum amount of Georgia auto insurance that you need to carry, well that is subjected to about $25,000 for every person in terms of bodily injury, around $25,000 for every accident for property damage, and about $50,000 for bodily injury that might occur on around a minimum of two people. However, if you ever get involved in a serious offense and cause major damage, than you are bound to find that these insurance requirements would not suffice.

In order to satisfy the requirements of law, every single car being driven in the state of Georgia needs to possess at least this basic minimum auto insurance coverage. For those that are interested in renting a car in this state, by law, the rental company needs to provide the necessary liability auto insurance to the state. However, just in case the current car insurance policy in Georgia states that you own does not cover auto insurance that is meant for rental cars, then it is necessary for you to acquire liability auto insurance straight from the company from which you are renting the car.

If you allow your GA auto insurance to lapse, not only would you be susceptible to stiff penalties, there is also a fair chance that the automobile registration of your car might be suspended by the authorities. A lapse in the state of Georgia basically occurs when 10 continuous days pass by without you having auto insurance coverage. In terms of a lapse, you will be subjected to a $25 penalty lapse fee together with a reinstatement fee that comes to about $60. Both of these need to be paid before having your license plates renewed. The fees would continue to increase in terms of a second or third offense, so you need to be really very careful. By the third offense, you can rest assured that your reinstatement fees would be reaching up to about a full $160. You will also be charged with a misdemeanor just in case you are caught driving around with a registration that has a suspended status.

The state of Georgia is basically known to follow what is known as a Tort system which basically implies that you are not required to acquire PIP or personal injury protection insurance coverage. You also do not need to acquire Uninsured/Underinsured motorist coverage or UN/UIM. However, there are a plethora of people across Georgia that purchases this to enhance their auto insurance policies.

If you wish to acquire the best quotes from Georgia auto insurance laws, just enter your zip code and our partners will offer the top quotes for free!