Georgia Auto Insurance Quotes

Are you searching for the best deals on Georgia auto insurance coverage? You've come to the right place. You'll find the most updated information on Georgia's auto insurance requirements and be able to find price quotes from a number of insurance carriers that are licensed to do business in Georgia. Before purchasing an auto insurance policy, be sure to read this information so that you understand what the insurance requirements in Georgia are and can remain in compliance with all Georgia auto insurance regulations.

Georgia Liability Coverage Requirements

Georgia is one of the many states that require drivers to carry liability coverage for bodily injuries and property damage.  This liability coverage must be maintained for all vehicles that are registered in Georgia.  For bodily injuries for one person in one accident, the minimum coverage required is $25,000.  For all bodily injuries in one accident, the minimum coverage required is $50,000.  The property damage liability minimum is $25,000.  Georgia does not require personal injury protection or uninsured motorist coverage.

Georgia Tort System

Some states are considered no-fault states.  This means that your insurance company would be required to pay your expenses regardless of who was at fault in your accident.  Georgia does not operate under the no-fault system.  Instead, Georgia uses the tort system for determining who is responsible for paying expenses that are incurred as a result of an auto accident.  The driver who is determined to be at fault must pay the expenses of other drivers and passengers involved in the accident.  You can also sue the driver who is at fault for things like pain and suffering and lost wages from missed work due to your injuries.

Maintaining Legal Auto Insurance Coverage

In Georgia, you must provide proof of insurance to a law enforcement officer if it is requested at a traffic stop.  Insurance companies doing business in Georgia must also comply with electronic reporting requirements.  Within 30 days of covering a new vehicle, renewing a policy, or canceling a policy, an insurance company must report the change to the Department of Driver Services in Georgia.  If cancellation or non-renewal of a policy is reported, you will have to provide proof of insurance through another carrier in order to remain in compliance with Georgia's auto insurance laws.

If you do not maintain the proper amounts of liability coverage on your vehicle, the vehicle registration will be suspended and no further registrations will be made until you provide proper proof of insurance.  You may have to pay a reinstatement fee in order to lift your registration suspension and re-register your vehicle.