Georgia Indemnity Insurance Laws

GA is a 25/50/25 type of state when it comes to car insurance. For Georgia car insurance, 25/50/25 is simple short form meaning $25,000 coverage per individual involved in an automobile accident, $50,000 coverage per accident for two or more people, and $25,000 coverage for any property damaged during a collision. Georgians that do not uphold this nominal amount of car insurance can be fined $200 or worse.

GA runs under the Tort system, meaning that, unlike a No Fault state, one of the motorists must be found at fault in any given car accident. Obligation for paying monetary damages lies in the hands of the individual found at fault as well as their insurance firm. GA car insurance laws do not obligate car owners or motorists to carry personal injury protection coverage, nor do they require the purchase of underinsured car insurance coverage. Just because the state does not mandate these policies doesn’t mean that they are not valuable picks for additional coverage. There are many people in Georgia who decide that they want to add PIP and underinsured/uninsured coverage to their car insurance. These rules were established to protect individuals and their cars on the GA roads. Administrating these regulations, the Georgia Department of Revenue has a statewide database that insurance underwriters are mandated to keep up to date with a motorist’s insurance information. drivers are advocated to carry proof of automobile insurance at all times. If you are not equipped with an actual card from your car insurance company, you should maintain a copy of your policy’s declaration page in your vehicle. You will be asked to present this evidence of coverage if you are stopped for a traffic violation, involved in an accident or stopped at a roadblock.

Being a no-fault state, all accidents in Georgia must have someone determined to be answerable to be at fault and their car insurance company is also answerable for damages.

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

uninsured/underinsured Coverage - This elective insurance policy covers you in the event you are in an automobile accident with an uninsured driver. Since the individual doesn’t have an insurance underwriter to pay for damages, this car insurance will help to pay for them.

To guarantee compliance with the law, GA insurance companies are called for to provide details of your car insurance to a statewide database sustained by the State of Georgia Department of Revenue. It is also urged to carry proof of insurance policy with you everytime you drive. You may be asked to show this proof if you are involved in a collision or are stopped by the police.