Guide to Georgia Car Indemnity Insurance Requirements
In the state of GA, all drivers are required to have 25/50/25 car insurance coverage. This signifies that, your Georgia car insurance policy is demanded by law to keep bodily injury coverage of $25,000 per individual, $50,000 per accident and then $25,000 to cover any property damage. Not having insurance coverage can result in heavy fines or you could have your license suspended.
In Georgia, when an accident occurs, someone is always held financially responsible – this is how the law works in a tort system. The faulty driver’s car insurance company will then be held financially at fault for all damages resulting from the accident. Georgia insurance laws do not obligate drivers or motorists to carry personal injury protection coverage, nor do they require the purchase of uninsured/underinsured car insurance coverage. These policies, while not imposed, are not a bad option to add onto your car insurance coverage. There are many people in GA who decide that they want to add PIP and underinsured/uninsured coverage to their insurance coverage. These are just a couple of of the regulations in GA to protect individuals and their vehicles. Regulating these rules, the State of Georgia Dept. of Revenue has a statewide database that insurance underwriters are required to keep current with a driver’s insurance information. drivers are urged to carry proof of insurance coverage at all times. If you are do not have an actual card from your car insurer, you should maintain a duplicate of your policy’s declaration page in your vehicle. You will be asked to present this evidence of car insurance if you are stopped for a traffic violation, involved in an automobile accident or stopped by a police officer.
Being a no-fault state, all car accidents in GA must have an individual determined to be at fault to be at fault and their car insurance underwriter is also accountable for costs.
Personal Injury Protection – This type of extra coverage covers extra medical damages and other expenses that are not covered under a standard policy.
underinsured Coverage – This nonmandatory car insurance covers you in the event you are in a collision with an underinsured motorist. Since the individual doesn’t have an car insurance underwriter to pay for damages, this insurance policy will serve to compensate for them.
To ensure compliance with the law, GA insurance companies are demanded to provide details of your car insurance to a statewide database maintained by the State of Georgia Department of Revenue. It is also advocated to carry proof of car insurance with you anytime you drive. You may be asked for this proof if you are involved in an accident or are stopped by the police.
