In the Peach State, every car owner should meet minimum car insurance coverage requirements to get their cards registered and obtain license plate. Meeting Georgia auto insurance requirements is also essential to replace, renew or transfer an existing license plate. And this is mandatory by the laws implemented by the Motor Vehicle Division of Georgia. To validate the proof of car insurance, the state mandates the car insurance providers to electronically submit new auto insurance policy information along with any addition, termination and deletion of automobiles from the existing policies on GA Electronic Insurance Compliance System.
Important Georgia auto insurance requirements
Here are some important auto insurance requirements in Georgia.
Minimum liability coverage – Every lessee and vehicle owner in GA are required to maintain mandatory and continuous liability insurance coverage. This coverage may include liability coverage of 25,000 dollar per injured person for bodily injury, 50,000 dollar per occurrence and 25,000 per occurrence of car damage.
Policy card – Car insurance providers that issue car insurance in GA are legally bound to provide the policyholders with insurance policy information card for each insured vehicle. A policyholder must carry this card whenever he drives the car.
Evidence of insurance – In Georgia, any vehicle which is not registered under International Registration Plan, is considered as a self-insured vehicle or a vehicle covered under a fleet insurance policy. In such a case, a policy information card, even though required, is not enough to be used as a proof of insurance. to meet Georgia auto insurance requirements, the Motor Vehicle Department’s title database and tag should have a legitimate insurance coverage indicator on the motorist’s or the car owner’s car’s record. This insurance coverage indicator gets added to the department’s database while a vehicle is being registered and also during the time of insurance coverage verification. A legitimate binder from an insurance company registered in the Peach State indicating VIN or Vehicle Identification Number can be served as a proof of insurance. Bill of sale along with a legitimated insurance declaration page pay also be furnished as the proof of insurance, but only for 30 days.
These are the minimum Georgia auto insurance requirements failing to which a motorist can lose his driving privilege.
Suspension for not meeting minimum requirements
Any Georgia motorist who doesn’t comply with these minimum requirements may face suspension of driving license. He may also lose his vehicle registration. Pre-payment of 6 months of minimum liability insurance coverage is required in order to withhold the suspension and restore the registration and the license as well.
Exemptions to minimum requirements
Georgia auto insurance requirements are application only for the vehicles that require registration in the state. Golf carts, snowmobiles, trailers, mopeds, all-terrain automobiles and bicycles don’t need to meet any insurance requirement. Non-Georgians working in the state and Georgia visitors can drive cars in the state for 30 days and 90 days accordingly, but only with an out-of-state registration.
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