Georgia Car Insurance Law on SR22
Reader’s Question:
Can you tell me the law in Georgia regarding SR22?
Mike
Atlanta GA
In the US alone, different states have various laws and regulations with regards to Driving under the Influence or DUI. In Georgia car insurance law, it is unlawful to have a vehicle without car insurance coverage. Permitting an individual without insurance operate a vehicle is likewise illegal.
In Georgia car insurance law, the minimum required liability coverage is as follows:
1. $25,000.00 for bodily injury liability per person per accident-
2. $50,000.00 . for bodily injury liability for two or more persons per accident
3. $25,000.00 for property damage per accident
The law enforcement officer will request the driver to show proof of mandatory liability insurance. IDs or papers from the insurer have to be presented.
If the insurance has lapsed at the time of the accident, the Georgia Department of Motor Vehicles will suspend the your drivers license until insurance policy has been renewed.
If you have been convicted of DUI, you will be required to get a special kind of car insurance called SR 22. This SR22 is a certificate that shows proof proof of financial responsibility of the driver. It’s an assurance that the driver will keep the minimum liability insurance coverage required by the state.
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
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