Georgia Car Insurance Policies
In the state of Georgia, all motorists are obligated to have 25/50/25 insurance policy. 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 insurance coverage per accident for two or more individuals, and $25,000 coverage for any property damaged during a car accident. Because this is demanded by law, if you are observed not to hold insurance coverage, you can be heavily fined or have your license suspended.
In GA, when a motor vehicle accident happens, a person is always held accountable - this is how the law works under tort law. The car insurer of the driver at fault will then be held financially answerable for all damages resulting from the automobile accident. In Georgia, motorists are not called for to extra coverage such as personal injury protection (PIP) or uninsured/underinsured motorist coverage. Just because the state does not require these insurance policies doesn’t mean that they are not worthwhile picks for incremental coverage. There are many people in Georgia who decide that they want to add PIP and underinsured/uninsured coverage to their car insurance coverage. These laws were established to protect individuals and their automobiles on the GA roadways. To ensure abidance with these laws, car insurance firms are duty-bound to share information about your policy with the State of Georgia Dept. of Revenue by way of a statewide database. At the same time, it is advocated to keep proof of your insurance coverage with you every time you are driving your car. Without proof of insurance, if you are stopped by a law enforcement officer or involved in a car accident, you could be fined $200 or even have your license suspended.
Being a no-fault state, all car accidents in Georgia must have a person determined to be financially responsible to be at fault and their car insurance underwriter is also answerable for costs.
Personal Injury Protection - This type of extra coverage covers incremental medical damages and other expenses that are not covered under a standard policy.
Uninsured insurance is another nonmandatory extension that can be appended to your insurance coverage. This car insurance protects you in the event that the person involved is uninsured at the time of the automobile accident.
Georgia car insurance underwriters are imposed by law to input the details of your car insurance into a statewide database. This database is upheld by the Department of Revenue. To protect yourself in the event you are in a car accident or are stopped by a police officer, you should always pack proof of your insurance card with you whenever you drive. Failure to due so can result in heavy fines or you could have your license suspended
