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Cheap Georgia Car Insurance Policy Tips
- March 8th, 2009
GA Car Insurance Policy Requirements
In the state of Georgia, all drivers are required 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 collision, $50,000 insurance coverage per accident for two or more people, and $25,000 coverage for any damaged property during a collision. Since this is imposed by law, if you are observed not to hold insurance coverage, you can be fined $200 or worse.
In GA, when a car accident occurs, a person is always held accountable – this is how the law works in a tort system. Obligation for paying related damages lies in the hands of the individual found answerable as well as their car insurance firm. Georgia car insurance laws do not obligate drivers or drivers to carry personal injury protection coverage, nor do they require the purchase of uninsured/underinsured motorist coverage. These policies, while not imposed, are not a bad alternative to add onto your insurance policy. There are many people in GA who decide that they want to add PIP and underinsured/uninsured coverage to their car insurance coverage. These are just a couple of of the laws in Georgia to protect individuals and their automobiles. To ensure abidance with these laws, car insurers are mandated to share information about your policy with the State of Georgia Department of Revenue by way of a statewide database. Simultaneously, it is urged to keep proof of your insurance coverage with you every time you are in the car. Without your insurance certificate, if you are stopped by the law or involved in a car accident, you could be fined $200 or even have your license suspended.
Georgia is not a no-fault state, but instead, they operate under the Tort system. This signifies that for all automobile accidents, one of the involved parties must be found to be accountable and they, along with their car insurance firm, will be held accountable for costs resulting from the accident.
Personal Injury Protection – This type of complemental coverage covers incremental medical damages and other expenses that are not covered under a standard policy.
Uninsured or underinsured car insurance is another nonobligatory extension that can be added to your insurance policy. This car insurance coverage protects you in the case that the driver involved is not insured at the time of the accident.
To guarantee compliance with the rules, Georgia insurance companies are called for to provide details of your insurance coverage to a statewide database kept by the Georgia Department of Revenue. It is also recommended to carry proof of car insurance coverage with you everytime you drive. You may be asked to show this proof if you are involved in an automobile accident or are stopped by the police.
