Georgia Auto Insurance - (GA)

Drivers are required to carry auto insurance across the country. But regulations on coverage minimums, liability insurance and required documentation can vary from state to state. Be sure to learn about your state’s requirements, and investigate the changes you could encounter when moving to another state. Your premiums could rise or fall, depending on where you plan to move. No matter where you live, seek out competitive quotes and determine the type of coverage you need to feel safe and secure on the road.

Auto Insurance Laws in Georgia

• All registered cars in the state of Georgia must be insured: Georgia is not unlike most jurisdictions. If you drive a car, you must have it insured.
• The state monitors your coverage: Georgia’s Department of Revenue requires auto insurance companies to provide your policy information. The state monitors whether your policy is current through a database. You’re allowed to visit the Department’s database to make sure the information about you on file is accurate.
• While it isn’t required, you should carry proof of insurance in your car. If your company does not provide you with a proof of insurance card, ask for one or make a copy of your policy’s declarations. The information could prove useful during an accident or a traffic stop – and you may be obligated to carry it if you’re driving out of state.
• Georgia will penalize you if your coverage lapses: A lapse in Georgia is only 10 days, so be sure to keep your policies current and notify the state if you change insurance carriers. In the case of lapse of coverage, you will be fined $25, plus a $60 reinstatement fee to make your registration valid. If you fail to rectify the situation and you drive with a suspended registration, you’re committing a misdemeanor and could face additional fines and impoundment. Second and third offenses face tougher penalties.
• Get at least minimum liability insurance: In Georgia, minimum liability coverage is $25,000 per person for bodily injury, $50,000 per accident for bodily injury to two or more persons, and $25,000 per accident for property damage. Remember, these are only minimum requirements.
• Exemptions are available: Some drivers are eligible for exemptions from insurance coverage requirements or lapse fees. Appropriate situations include if the vehicle was sold, if the lease expired, if the owner moved out of state, if the vehicle was salvaged, or if the vehicle is stored. Members of the military also may be eligible. To find out more, consult the state of Georgia.

Tips for Consumers

It’s imperative to realize that your state’s guidelines cover minimum liability coverage. You likely will want significantly more coverage. For example, in Georgia, you must carry coverage for $25,000 in property damage. Most insurance experts would advise that number increase exponentially to close to $100,000.

Your liability coverage represents the maximum your insurance company will pay. If you are deemed liable for $75,000, but your policy only covers $25,000, you are responsible for paying the remaining $50,000.

You could save money by combining your auto and home insurance policies with the same insurer. Look for ways to save money on your premiums.

One of the best ways to save money overall is through getting competitive quotes. Be sure to ask questions and review the proposals – by making slight adjustments to deductibles, you could save a lot.

Department Of Georgia (GA) State Government That Regulates Car Insurance:
Web Site: www.inscomm.state.ga.us/INSURANCE

How To Contact Directly:
Georgia Dept. of Insurance
2 Martin Luther King, Jr. Dr.
West Tower, Suite 716
Atlanta, Georgia 30334
Phone: 1-404-656-2070
Toll Free: 1-800-656-2298

Georgia (GA) Mandatory Auto Insurance Minimums

• Liability: 25/50/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Regulations Regarding Proof of Insurance: Proof Required - When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory Insurance: Fine up to $1000 and jail term up to one year

How To File A Complaint About An Insurer:

File A Complaint Online About Your Auto Insurance With The Georgia Department of Insurance
File A Complaint Online About Someone Else's Auto Insurance