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Georgia Auto Insurance Laws and Georgia Car Insurance Requirements

Georgia auto insurance coverage laws have been constituted and rigorously enforced to be able to ensure the safety of all road users in the state. To this end, the state calls for all drivers to carry mandatory minimal liability coverage. The state authorities in Georgia also maintain an electronic database containing the records of all drivers' current, valid insurance coverage policies. When these records are allowed to lapse, drivers can face a fine and potential suspension of their registration.

The stipulations of Georgia auto insurance requirements permit for drivers to acquire other proof of financial responsibility as an alternative to a common insurance policy. The Office of Insurance and Safety Fire Commissioner can allow drivers to self insure. Whether or not you self insure or acquire a normal policy, your coverage will must be registered with the Georgia Electronic Insurance Compliance Program.

Below Georgia auto insurance laws, the minimum liability coverage contains $25,000 for injury or death of one particular accident victim, $50,000 for injury or death of far more than 1 individual and $25,000 for harm to property. Drivers with an outstanding auto note or lease are needed by state law to carry far more than the minimal needed liability coverage. In most instances, the lien holder or leasing organization will set its own minimal limit for coverage to offset any economic losses on the loan.

You will find exemptions for the auto insurance coverage specifications. They include individuals in the military and men and women using a vehicle that has been sold, stored or salvaged. In the event you fall below any of these categories, you ought to check with all the state authorities and ensure you file a appropriate affidavit so that you can stay away from receiving penalties.

Proof of insurance must be provided based on Georgia auto insurance requirements if you register your automobile, if you are pulled over for a site visitors cease or at the scene of an accident. Drivers identified operating their vehicles with no suitable insurance are liable to face a maximum fine of $1,000 and up to a year of jail time.

Drivers may also incur penalties when lapses in coverage are detected by the electronic database. A lapse is regarded as ten consecutive days without having coverage. Any individual identified to have permitted their insurance to lapse is going to be charged a $25 lapse fee and have their registration suspended. A $60 reinstatement fee is going to be necessary to acquire the registration reactivated.

Under Georgia auto insurance laws, fines along with other penalties increase for subsequent lapses. A second lapse inside 5 years carries a mandatory 90 day registration suspension. A third lapse inside five years will incur a $160 registration fee along with the $25 lapse fee; at the same time as a six month registration suspension.

The state of Georgia regards enforcement of auto insurance coverage incredibly seriously. The state desires to keep all of its roads safe and for that reason requires all drivers to take proper measures to cover any and all eventualities. As a driver, ensure which you have appropriate insurance coverage coverage to be able to make your driving encounter in Georgia a safe and pleasant one particular!