Shopping for Cheap Georgia Car Insurance
GA Car Insurance Laws
In Georgia, it is expected by law that all motorists hold a Georgia car insurance policy for their car. As a driver in GA, you are legally called for to carry $25,000 per person bodily injury coverage, $50,000 per accident bodily injury insurance coverage for two or more people, and $25,000 per accident for property damage. This kind of insurance policy is recognized as 25/50/25.
Georgia operates under Tort law, this means that unlike other no-fault states, one of the motorists must be found at fault in any given accident. Responsibility for financial restitution lies in the hands of the individual found answerable as well as their insurer. Georgia car insurance laws do not obligate motorists 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 require these policies doesn’t mean that they are not worthwhile options for additional coverage. Many Georgians sign up for these nonmandatory insurance products to ensure adequate coverage in the event of a collision. These laws were made to protect people and their cars on the Georgia roadways. Regulating these rules, the Dept. of Revenue has a statewide database that car insurance companies are imposed to keep current with a motorist’s insurance information. motorists are encouraged to carry proof of automobile insurance coverage at all times. If you are have not been given an actual card from your car insurance company, 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 a car accident or stopped by police.
Being a no-fault state, all automobile accidents in Georgia must have someone found financially responsible to be at fault and their insurance company is also accountable for costs.
Personal Injury Protection – This type of extra coverage covers complemental medical damages and other expenses that are not covered under a standard policy.
Uninsured coverage is another optional extension that can be added to your car insurance. This insurance coverage protects you in the outcome that the party involved is uninsured at the time of the automobile accident.
To assure compliance with the law, GA insurance companies are called for to provide details of your car insurance coverage to a statewide database sustained by the State of 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 a car accident or are stopped by the police.