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
Auto Insurance Tips For Cheaper Georgia Rates
Georgia Auto Insurance
In Georgia, like in any other state, accidents happen, fenders get bent, people get hurt. So when disaster strikes, auto insurance is there for you to protect you.
Why should you purchase an insurance?
1. Car insurance protects you from any financial risk with any injuries and property damage that are caused by accidents. This may also include any acts of nature, theft and vandalism.
2. It is mandatory in Georgia that all motorist should have the minimum liability coverage. Other types of coverage may be optional or required depending on the regulation of the state.
3. If you have an outstanding car loan, you will be required by the car lender to have a minimum liability coverage of car insurance.
If you are having a hard time paying your high premiums on your car insurance, it is best to know what are the factors that affects your insurance premiums. Your age, the state where you live, where your car is garaged, the model of your car, and your driving record are just some of the factors that determine your insurance rate.
Here are some of the things that may help you lower your insurance rate:
1. increase your insurance deductibles
2. ask for any available discounts
3. avoid purchasing a vehicle that is prone to theft or vandalism
4. Keep your car safe in the garage
5. eliminate optional coverage
6. maintain a good driving record by driving safely
MariCAR
Does Georgia Have an Auto Insurance Point System?
Reader’s Question:
Does Georgia and Florida have the same point system? Does Georgia report speeding ticket to Florida?
Ben
Good Question.
Georgia is not part of the Drivers License Compact where the Florida is a member of, but the Georgia Driver’s services still sends licensed driver’s information to their home state of any conviction they will receive in the state of Georgia. So if you get convicted of speeding violation in Georgia, the court will still notify the state of Florida if that is where you are licensed.
If you receive a traffic ticket out of state and they receive that information, The Highway Safety and Motor Services will add the violation to your record, according to the Florida of Highway Safety Motor Services. 15 MPH or less or over lawful speed limit is 3 points and 16 MPH or more over the posted speed limit is 4 points in Florida.
It is noted in the Florida Department of Highway Safety and Motor Services that it will not be allowed by the Florida Law for any school or program to remove the points for the ticket or any convictions that was received from another state. This means that you cannot take any Florida driving class or take any driving course to remove the ticket from Georgia or points that was assigned to your driving record.
Goodluck!
MariCAR
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