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Georgia Auto Insurance Laws and Georgia Car Insurance Requirements
Georgia auto insurance laws have already been constituted and rigorously enforced so that you can guarantee 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 preserve an electronic database containing the records of all drivers' present, valid insurance policies. When these records are permitted to lapse, drivers can face a fine and possible suspension of their registration.
The stipulations of Georgia auto insurance needs enable for drivers to acquire other proof of economic responsibility instead of a normal insurance coverage policy. The Office of Insurance and Safety Fire Commissioner can allow drivers to self insure. Whether you self insure or acquire a normal policy, your coverage will need to be registered with the Georgia Electronic Insurance coverage Compliance System.
Below Georgia auto insurance laws, the minimum liability coverage consists of $25,000 for injury or death of one particular accident victim, $50,000 for injury or death of far 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 far more than the minimal necessary liability coverage. In most circumstances, the lien holder or leasing company will set its own minimum limit for coverage to offset any financial losses on the loan.
You'll find exemptions for the auto insurance needs. They incorporate people within the military and people using a automobile that has been sold, stored or salvaged. In the event you fall below any of these categories, you need to check with all the state authorities and be sure you file a appropriate affidavit to be able to avoid receiving penalties.
Proof of insurance coverage should be offered in accordance with Georgia auto insurance requirements whenever you register your car, if you're pulled more than for a site visitors cease or at the scene of an accident. Drivers located operating their vehicles with no correct 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 is going to be charged a $25 lapse fee and have their registration suspended. A $60 reinstatement fee will probably be required to acquire the registration reactivated.
Below Georgia car 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 coverage very seriously. The state desires to keep all of its roads secure and as a result needs all drivers to take appropriate measures to cover any and all eventualities. As a driver, make certain that you simply have suitable insurance coverage so that you can make your driving experience in Georgia a safe and pleasant 1!
