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Georgia Auto Insurance coverage Laws and Georgia Car Insurance Specifications

Georgia auto insurance coverage laws have been constituted and rigorously enforced as a way to ensure the safety of all road users within the state. To this finish, the state needs all drivers to carry mandatory minimal liability coverage. The state authorities in Georgia also preserve 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 possible suspension of their registration.

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

Under Georgia auto insurance laws, the minimum liability coverage contains $25,000 for injury or death of one accident victim, $50,000 for injury or death of far more than one particular 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 minimum necessary liability coverage. In most situations, the lien holder or leasing organization will set its personal minimal limit for coverage to offset any economic losses on the loan.

There are exemptions for the auto insurance needs. They include people within the military and people having a automobile that has been sold, stored or salvaged. In case you fall below any of these categories, you should check using the state authorities and be sure you file a suitable affidavit so that you can keep away from receiving penalties.

Proof of insurance coverage has to be offered in accordance with Georgia auto insurance specifications once you register your car, if you are pulled more than for a visitors quit or at the scene of an accident. Drivers identified operating their vehicles without having appropriate insurance coverage are liable to face a maximum fine of $1,000 and up to a year of jail time.

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

Under Georgia auto insurance laws, fines and also other penalties improve for subsequent lapses. A second lapse within 5 years carries a mandatory 90 day registration suspension. A third lapse within 5 years will incur a $160 registration fee as well as the $25 lapse fee; also as a six month registration suspension.

The state of Georgia regards enforcement of auto insurance coverage incredibly seriously. The state wants to keep all of its roads safe and as a result requires all drivers to take appropriate measures to cover any and all eventualities. As a driver, make certain that you simply have proper insurance coverage to be able to make your driving experience in Georgia a safe and pleasant one particular!