Guide to Car Insurance Policy in GA
Georgia Car Indemnity Insurance Laws and Laws
Georgia is a 25/50/25 type of state when it comes to car 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 coverage per accident for two or more individuals, and $25,000 coverage for any damaged property during a car accident. Since this is obligatory by law, if you are witnessed not to hold an insurance policy, you can be fined $200 or worse.
These laws were established to protect individuals and their cars on the GA roadways. To ensure compliance with these laws, insurance companies are obligated to share information about your policy with the Georgia Dept. of Revenue by way of a statewide database. motorists are encouraged to carry proof of insurance at all times. If you are not equipped with an actual card from your car insurer, you should keep a copy of your policy’s declaration page in your automobile. You will be asked to present this evidence of coverage if you are confronted for a traffic violation, involved in an automobile accident or stopped at a roadblock.
GA is not a no-fault state, but instead, they operate under the Tort system. This means that for all car accidents, one of the involved parties must be found to be at fault and they, along with their insurance company, will be held financially accountable for costs resulting from the accident.
Personal Injury Protection – This type of additional coverage covers complemental medical damages and other expenses that are not covered under a standard policy.
uninsured Coverage – This nonobligatory car insurance coverage covers you in the event you are in a motor vehicle accident with an underinsured motorist. Since the individual doesn’t have an car insurer to pay for damages, this car insurance will assist to pay for them.
GA car insurance firms are mandated by law to input the details of your insurance policy into a statewide database. This database is kept by the State of Georgia Dept. of Revenue. To protect yourself in the event you are in a automobile accident or are pulled over by a police officer, you should always carry proof of your automobile insurance with you whenever you are driving. Failure to due so can result in fines of $200 or worse
