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Georgia Auto Insurance coverage Laws and Georgia Car Insurance Requirements

Georgia auto insurance coverage laws have already been constituted and rigorously enforced so that you can make sure the safety of all road users in the state. To this end, the state needs all drivers to carry mandatory minimum liability coverage. The state authorities in Georgia also sustain an electronic database containing the records of all drivers' current, valid insurance 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 needs allow for drivers to get other proof of monetary responsibility as an alternative to a common insurance coverage policy. The Workplace of Insurance and Safety Fire Commissioner can enable drivers to self insure. No matter whether you self insure or acquire a common policy, your coverage will need to be registered with the Georgia Electronic Insurance Compliance Method.

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

You'll find exemptions for the auto insurance coverage requirements. They contain men and women inside the military and folks using a car that has been sold, stored or salvaged. If you fall under any of these categories, you should check with the state authorities and be sure you file a suitable affidavit in order to stay away from receiving penalties.

Proof of insurance has to be supplied in accordance with Georgia auto insurance coverage specifications whenever you register your automobile, in case you are pulled over for a traffic quit or in the scene of an accident. Drivers identified operating their vehicles with out suitable insurance 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 10 consecutive days with no coverage. Any individual found to have permitted their insurance to lapse will probably be charged a $25 lapse fee and have their registration suspended. A $60 reinstatement fee will probably be needed to acquire the registration reactivated.

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

The state of Georgia regards enforcement of auto insurance very seriously. The state desires to keep all of its roads safe and as a result demands all drivers to take suitable measures to cover any and all eventualities. As a driver, be sure which you have proper insurance coverage as a way to make your driving experience in Georgia a secure and pleasant a single!