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Facts About Georgia Car Insurance Laws

Each state has its own set of insurance laws from which large numbers are pretty similar or same. Georgia car insurance laws, at least good percentage are in compliance with most of the insurance laws in the other states. However, there are few insurance laws in Georgia that are typical for only few more states. Everyone that purchases auto insurance policy in Georgia needs to comply with Georgia’s insurance regulations if he wants his vehicle to be registered. Not complying means that you will drive your vehicle illegally and there is a big chance that you will be penalized for that.

According to the state if a Georgia auto insurance regulation, every driver is obligated to obtain both types of coverage. In addition to that, everyone in your household that uses the auto needs to possess such coverage or have proof of it when using the vehicle. The point is that the insurance coverage is needed per person rather than per car. However, there are few exemptions to this regulation. That is in cases when the vehicle is salvaged, wrecked, junked, when the lease is terminated or the ownership is transferred to another state. The exemption is applicable to owners of motorcycles and agricultural vehicles used for season work as well.

In case that none of the mentioned exceptions is applicable to your situation, you and every one of your family that uses the car are obligated by law to obtain injury liability coverage. According to the car insurance law in Georgia, the minimum coverage for one person is at least $25.000, for more persons per accident the minimum is $50.000 and for damage property the minimum is set at $25.000. That is commonly known as 25/50/25.

The state of Georgia is not a no-fault state. That means that in case of a car accident, the involved parties are not obligated to cover their own medical or other expenses cause by the accident, if any. Only the driver who caused the accident through his insurance policy pays the bill. In addition to that, the innocent party has the legal right to seek further compensation from the party who is found at fault.

The best way to be sure that you are fully covered is to buy a bigger insurance policy. The thing is that the minimum required basic policy is rarely enough to cover any expense that is having in mind how much hospitals charge for a simple procedure or what if you hit some luxury car. The $50.000 in that case is just a fraction of the cost and it may easily be required to pay from your own pocket for the rest of the bill.

Getting a good rate on any auto insurance policy in Georgia is not as hard as one would think. The best way to do so is by getting quotes from different insurance companies.

If you wondered how to do so, just look above on this same page and you will see a sign that says enter your zip code. Once you see it simply enter your zip code and you will get plenty of quotes from a number of companies.  Find the lowest for the coverage you had in mind and you will be sure that the car insurance laws in Georgia won’t make you awake at night.

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!