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Georgia Car Indemnity Insurance Policies and Regulations

In the state of Georgia, all drivers are mandated to have 25/50/25 insurance coverage. For Georgia car insurance, 25/50/25 is simple short form meaning $25,000 coverage per individual involved in a motor vehicle accident, $50,000 coverage per accident for two or more people, and $25,000 coverage for any damaged property during an automobile accident. Since this is called for by law, if you are observed not to hold an insurance policy, you can be heavily fined or have your license suspended.

In Georgia, when an automobile accident occurs, an individual is always held answerable - this is how the law works under tort law. The faulty driver’s insurance company will then be held financially answerable for all damages resulting from the accident. GA insurance laws do not obligate drivers or motorists to carry personal injury protection coverage, nor do they require the purchase of uninsured or underinsured car insurance coverage. These policies, while not required, are not a bad alternative to add onto your insurance policy. Many Georgians select these optional car insurance products to guarantee sufficient coverage in the event of a collision. These are just a few of the laws in GA to protect people and their vehicles. Controlling these laws, the Georgia Dept. of Revenue has a statewide database that car insurance firms are required to keep current with a motorist’s insurance information. motorists are encouraged to carry proof of insurance coverage at all times. If you are not equipped with an actual card from your car insurance company, you should retain a copy of your policy’s declaration page in your car. You will be asked to present this evidence of car insurance coverage if you are confronted for a traffic infraction, involved in a car accident or stopped at a roadblock.

Being a no-fault state, all accidents in Georgia must have an individual determined to be financially accountable to be at fault and their insurance underwriter is also accountable for damages.

Personal Injury Protection - This type of extra coverage covers incremental medical damages and other expenses that are not covered under a standard policy.

Uninsured or underinsured insurance coverage is another nonobligatory extension that can be appended to your insurance policy. This insurance coverage protects you in the event that the driver involved is uninsured at the time of the automobile accident.

To ensure abidance with the rules, Georgia insurance companies are mandated to provide details of your insurance coverage to a statewide database upheld by the Dept. of Revenue. It is also urged to carry proof of car insurance policy with you anytime you drive. You may be asked to show this proof if you are involved in a collision or are stopped by the police.

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