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

What happens if the person does not have any insurance and he is at fault in an accident in the state of Georgia?

Redford

Thank you for asking.

If the Department of Revenue in Georgia sees that you are uninsured, they will send you a Notice of Lapse Mandatory Liability Insurance Coverage notice through the mail. You will be requested to pay $25 lapse fee and you will be required to show proof within 30 days of the valid insurance coverage.

Your vehicle registration may be suspended if you fail to pay the lapse fee within 30 days of the letter’s date. The owner of the vehicle will need to pay the lapse fee of $25 plus $60 reinstatement fees and show proof of auto insurance if you want to cancel the suspension.

You will not be allowed to drive without insurance and suspended vehicle registration once you receive the notice from the Department of Revenue. If you drive a vehicle without insurance or with suspended registration, you may be subject for additional fees and the vehicle may be impounded if you get caught.

If you get involve in an accident and you do not have an insurance, you will be held personally responsible for the damages that you caused to another driver or car.

You may contact the Department of Revenue in Georgia to give you more information on the penalties given to a person driving without insurance if he/she gets involve in an accident.

Goodluck!

MariCAR

I live in Georgia. I would like to know what would happen if I stop paying for my car insurance?

Archie

Good question.

If you stop paying for your insurance policy, your insurance company will cancel your insurance due to non payment and that would definitely cause you trouble. This cancellation will appear in your credit history and would be black mark on your credit report as non-payment. This might result on you having a hard time getting a car insurance in the future.

Most of the insurance companies would not insure an individual that has not previously paid on their policy. If due to non payment your insurance lapsed, your insurance company will inform the Georgia Department of Revenue a notice of termination or cancellation of insurance. A Notice of Lapse Mandatory Liability Insurance Coverage will be mailed to you once the DOR sees that you are uninsured. The notice will request you to pay a $25 lapse fee and would require you to show proof of valid car insurance coverage within 30 days. If you fail to pay the fee and show proof of insurance, your vehicle registration will be suspended or revoked. If you drive with suspended vehicle registration is considered a misdemeanor. You will also be subject to fines and vehicle impoundment if you are caught driving without car insurance coverage.

Goodluck!

MariCAR