Georgia Car Insurance
Legal requirements for the purchase of Auto Insurance in Georgia On this site you can find information, how do you get the lowest possible rates car insurance. Being familiar with financial responsibility requirements of the State of Georgia easiest way to start. Here is the latest information on Georgia:
The minimum amount of car insurance liability coverage required to meet the Financial Responsibility Law of Georgia is 25,000 / 50,000 / 25,000.
This means that the insurance policy must insure you against loss resulting from an accident where you have been identified as a fault, as a minimum:
Twenty-five thousand dollars, as the injury or death of one person in one accident
Fifty thousand dollars, as personal injury or death of two or more persons in one accident, subject to twenty-five thousand dollars ($ 25,000) per person limit
Twenty-five thousand dollars because of damage to or destruction of property of others in an accident
Georgia does not consider car insurance card acceptable proof of insurance coverage. Instead, law enforcement and other public servants are able to electronically verify the status of insurance for any vehicle registered in Georgia by Georgia Electronic Insurance compliance system (GEICS). Maintain valid insurance at all times is very important.
Your insurance status can be checked in the following circumstances:
Law enforcement officer can check your status while you're working your car, detained at the bus stop motion, or when you have an accident
When you register to replace or upgrade your car
To ensure drivers continue to meet the requirements of financial responsibility, the state government requires insurance companies to notify the Georgia
Department of Driver Services when a person buys a car insurance, adds or removes a vehicle or stops coverage. If the Department of Driver Services reported that the insurance was terminated, they may request written proof of insurance coverage.
A certificate of financial responsibility (SR-22):
SR-22 is certified for the future of financial responsibility issued by your insurance company to the state to provide evidence that you have purchased car insurance liability. The following circumstances may require the person to SR-22:
To restore a suspended license after a person is unable to pay the court the accident;
To restore a suspended license after a person is unable to maintain proof of financial responsibility;
To restore a suspended license following the conviction of DUI, or
To restore a suspended license after any offense that requires mandatory suspension of license.