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Georgia Auto Insurance Laws and Georgia Car Insurance Needs

Georgia auto insurance coverage laws have been constituted and rigorously enforced to be able to guarantee the safety of all road users within the state. To this finish, the state calls for all drivers to carry mandatory minimum liability coverage. The state authorities in Georgia also sustain an electronic database containing the records of all drivers' existing, valid insurance policies. When these records are allowed to lapse, drivers can face a fine and potential suspension of their registration.

The stipulations of Georgia auto insurance requirements allow for drivers to obtain other proof of economic responsibility instead of a regular insurance coverage policy. The Office of Insurance and Safety Fire Commissioner can permit drivers to self insure. No matter whether you self insure or acquire a regular policy, your coverage will need to be registered using the Georgia Electronic Insurance Compliance Method.

Under Georgia auto insurance coverage laws, the minimum liability coverage consists of $25,000 for injury or death of a single accident victim, $50,000 for injury or death of more than 1 individual and $25,000 for damage to property. Drivers with an outstanding auto note or lease are necessary by state law to carry a lot more than the minimal necessary liability coverage. In most circumstances, the lien holder or leasing firm will set its own minimal limit for coverage to offset any monetary losses on the loan.

You can find exemptions for the auto insurance coverage needs. They consist of men and women in the military and individuals with a car that has been sold, stored or salvaged. In case you fall under any of these categories, you should check using the state authorities and be sure you file a appropriate affidavit to be able to stay away from receiving penalties.

Proof of insurance coverage must be offered based on Georgia auto insurance needs once you register your car, should you be pulled over for a site visitors cease or at the scene of an accident. Drivers identified operating their vehicles with no proper insurance are liable to face a maximum fine of $1,000 and as much as a year of jail time.

Drivers can also incur penalties when lapses in coverage are detected by the electronic database. A lapse is regarded as 10 consecutive days with no coverage. Any individual found to have allowed their insurance to lapse will likely be charged a $25 lapse fee and have their registration suspended. A $60 reinstatement fee will be needed to get the registration reactivated.

Below Georgia auto insurance laws, fines as well as other penalties enhance for subsequent lapses. A second lapse within five years carries a mandatory 90 day registration suspension. A third lapse inside 5 years will incur a $160 registration fee as well as the $25 lapse fee; as well as a six month registration suspension.

The state of Georgia regards enforcement of auto insurance coverage really seriously. The state wants to keep all of its roads safe and as a result demands all drivers to take suitable measures to cover any and all eventualities. As a driver, be sure that you have correct insurance coverage in order to make your driving knowledge in Georgia a secure and pleasant one!