Georgia Auto Insurance Guide
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Georgia state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Under Georgia’s tort system, you may also be liable for actual damages (expenses associated with property damage and medical costs), economic damages (lost wages and earning capacity) and emotional and physical pain and suffering.
The bare minimum car insurance requirement for Georgia drivers is:
Georgia does not require you to carry additional coverage such as Uninsured/Underinsured Motorist, personal liability or Collision and Comprehensive. However, if you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
Georgia law requires that you carry proof of Georgia auto insurance in your car and show it if a law enforcement officer asks to see it. A conviction can carry a fine of not less than $200 and not more than $1,000, imprisonment of not more than 12 months, or both. You will be required to appear in court and show proof of insurance, at which time the court may impose a fine not to exceed $25.
If you are convicted for driving while your license is suspended, your privileges will be suspended for an additional 6 months.
Your license can be revoked for 5 years if you are declared a habitual violator for any third conviction of a mandatory suspended offense within a 5-year period.
Georgia insurers are required to electronically report insurance information including terminations, additions and deletions of vehicles from existing policies to the Department of Revenue.
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Vehicle insurance premiums are regulated by the Georgia Office of Insurance. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Georgia also allows insurers to consider your credit rating to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Georgia. The following laws have recently been enacted in Georgia and may affect your insurance coverage decisions.
Georgia Office of Insurance and Safety Fire Commission
Georgia Department of Driver Services
Insurance Information Institute
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