What Is The Minimum Required Auto Insurance in Georgia?

If you want to get auto insurance in Georgia, then you are required to follow the law and get the proper amount of coverage. If you don’t want to get auto insurance, then you’re out of luck, because you have to. End of story. Most car insurance companies will sale you the simple minimum liability of auto insurance if you go in and request nothing more than to be insured, but you still ought to understand what is required and why, and why you should take a step beyond that.

To meet the minimum requirements for auto insurance in Georgia, you are required to have liability coverage. This type of coverage will take care of medical costs and property damage for the person to whom you cause damage in an accident which is your fault. You have to have:

• $25,000 of bodily injury coverage for each individual
• $50,000 cap for each accident if there is more than one person
• $25,000 for damage to property, such as a vehicle or a fence

These are the required amounts, but most companies that sell auto insurance in Georgia suggest that you stack on a little more than this amount of insurance, and the most commonly suggested amount is 100/300/100. You should remember when buying liability coverage for bodily injury that the two amounts do not combine. If you have fifty thousand of coverage for more than one person, then that is all that you get for a single accident, even if four people are injured. If only one person is injure, all they get is twenty five thousand. Considering the cost of medical bills in bad accidents, it makes sense to get more than that amount.

You need to have auto insurance, because the Georgia department of insurance can tell when you don’t. As a matter of fact, they have an online insurance verification system that keeps track of the insured and uninsured in the state. You can check your own status online to make sure that there aren’t any mistakes, although if you have only recently gotten a policy you should let a month pass before checking because it takes time.

If you go without auto insurance for 10 days or more, then your registration could be suspended. You would then have to pay $85 to restore. And although your auto insurance  can be verified online, you should still carry an insurance card in your vehicle for when you get pulled over.

If you want to lower your annual premiums, try raising your deductible amount to something like $1,000 or more.  You only pay when you file a claim with your insurance carrier and the savings over the long term could be substantial.

What Is The Minimum Car Insurance Coverage in Georgia?

Reader’s Question:

What is the Georgia law minimum car insurance requirements?

Melanie

Thank you for asking.

It is requires for all motorist in the state of Georgia to carry accident liability insurance for each of the cars they own. This mandatory liability insurance will help cover any damages or medical payments for those injured in the accidents. The minimum amounts that you may be covered in order to satisfy the law are:

$25000 per person for bodily injury
$50000 per accident for bodily injury to two or more people
$25000 per accident for the property damage

It is possible for the state now to verify your insurance status online. It is required that all insurance companies should submit policy information to a state wide database electronically when an individual purchases an insurance. You may also be able to check with the Department of Revenue website your status online and verify if your insurance coverage is properly documented to save you time and expense in the future.

The processing time is 30 days to transmit the data by the insurance companies.

Goodluck!

MariCAR

Is It Mandatory To Have Georgia Motorcycle Insurance?

Reader’s question:

Can I drive a motorcycle without any insurance coverage in Georgia?

Allen

Good question Allen.

The Georgia state laws requires all motorist to maintain a continuous liability insurance coverage on their vehicle to:

1. legally drive the vehicle
2. register and obtain Georgia license plates
3. to replace or renew existing

Georgia license plates non motorized vehicles such as trailers and campers and trailers exempt from registration like bicycle and golf carts do not require insurance coverage in the state of Georgia.

A motorcycle is defined as the motor vehicle that traveling on public streets or highways having a seat or saddle for the use of the rider and is designed to travel on not more than three wheels in contact with the ground, according to the unannotated Georgia Code. The Code also states that no owner of the motorcycle or any other person, other than the self-insurer as defined in Chapter 34 of title 33 of the Georgia Code, shall operate or authorize any person to operate the motorcycle equivalent to that required as evidence of security for bodily injury and property damage liability….any person who violates this subsection shall be guilty of misdemeanor.

This shows that the insurance is needed on our motorcycle in the state of Georgia to be legally allowed on the road.The minimum liability limits in the state of Georgia is 25/50/25. This means that $25000 for the liability injury per person for a total of $50000 of bodily injury per accident and $25000 of property damage liability per accident.

Goodluck!

MariCAR