What Is Minimum Auto Insurance Coverage In Georgia?

Reader’s Question:

What is the minimum auto insurance coverage in Georgia? Are there any policy I need to purchase?

Andrea

Columbus, GA

Like any other rules, auto insurance in Georgia sets a minimum amount of auto insurance. The liability policy is required by the states and the coverage will only apply to the person whose name is indicated on it. As compared with other states in the US, Georgia has the highest least amount of liability coverage required to drivers.

The minimum liability auto insurance coverage in Georgia are:

• $25,000 Bodily Injury Liability limits of per injured person up to a total of
• $50,000 per accident, and
• $25,000 Property Damage Liability coverage

Although auto insurance in Georgia does not require collision and comprehensive coverage, drivers will need this coverage to pay the cost of repairing his/her vehicle. Other than paying the cost of vehicle repair of the victim, the insured should also think of his/her needs after the accident. Collision and comprehensive coverage can ease the financial burden of shelling out money for this. In case you got your car damaged because an animal immediately crossed the road, this coverage will still pay for the vehicle repair.

Worst case scenario that can happen to a driver is to get hit by a vehicle that is not insured. If collision and comprehensive insurance will pay the vehicle cost, uninsured/underinsured will take care of your medical expenses. You can also use this when the at-fault driver does not have sufficient auto insurance coverage to pay the total amount of costs.

How To Get an Auto Insurance Card in Georgia

Reader’s Question:

Hello out there! I hear that I need some type of auto insurance card to drive in Georgia? Where can I get this card? If a friend borrows my car, can he borrow my card, as well?

Ashton

Atlanta, GA

Hey Ashton, what a kind friend you are to be loaning you car out to your buddies. However, before you even start driving, please make sure that you have at least the minimum insurance required in Georgia.

When you get auto insurance, your insurance provider will be the one to provide you with your insurance information card. This is your proof that you have enough auto insurance coverage to legally drive in the streets of Georgia, and this must be in your vehicle at all times. This is in case you get stopped by cops for whatever reason and they ask you to provide proof of your auto insurance coverage. If you decide to loan your car to a friend, please make sure he has your insurance information card. This card also comes in handy when you get into accidents as it will have all the essential insurance information about your car. Please do not hit the streets without this card. If you are ever caught without it, you will have to face the consequences of paying for fines and you may even have your license suspended. Driving without auto insurance may also cause your vehicle to be impounded. So, please avoid this unnecessary inconvenience and make sure that your vehicle is properly insured before driving

Automobile Insurance Endorsement in Georgia

Reader’s Question:

I already know about the usual auto insurance coverage like collision coverage and comprehensive coverage. But I heard about automobile insurance endorsements, is that something I need here in Georgia?

Oliver

Atlanta, GA

Auto Collision coverage and Comprehensive coverage are the two most common and well-known insurance type in the market. There are lots of other auto insurance coverage out there, too.

Automobile insurance endorsements is just another name for those other policy extras that auto insurance companies in Georgia offer. These are towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance. You don’t really need to have them and they are not required in any state, but they can come in handy.

Now, auto towing insurance is the one that comes rushing in when you need you car towed (hence the name). That should be clear enough for everybody. Then there’s auto glass insurance is for when you need to have your car window repaired. This is usually covered by comprehensive insurance, but having this will provide you with a lower deductible. And you might want to check the details of your comprehensive coverage about windows and side mirrors just to be sure.

Daily rental insurance kicks in when you need to rent a car. Why would you do that, you ask? Well, when
your car is in the auto shop and you need to go around, this auto insurance coverage will pay for the car rental. Without this, you may have to shoulder the car rental while your car is being repaired. Emergency roadside insurance is when you need mechanics to go to your location and have your car fixed there, like a flat tire.

Now, whether you need these other auto insurance types is up to you and your lifestyle, and of course, your budget.

Auto Insurance For Medical Payments in Georgia

Reader’s Question:

I have a bodily injury liability on my car insurance policy, do I still need to get medical coverage in Macon GA?

Denver

Macon GA

Medical Payments coverage covers medical bills to you and your occupants injured in an accident. There may also be coverage if as a pedestrian a car injures you.

It does not matter who is at fault with medical payment coverage. Medical payments may also cover policyholders and their family members when they are injured while in someone else’s vehicle or when they are hit by a vehicle while on foot. Coverage of course is limited to the terms and exclusions specified in your car insurance policy.

You may check your health insurance policy in Georgia to know the specifics since some health insurance exclude coverage for injuries due to vehicular accident.

On the other hand Bodily injury is not coverage for you if you are injured in an accident. Bodily injury liability covers those that you may cause injuries to when you are at fault in an accident. Bodily injury is mandatory in most states.

Do You Have to List House Hold Members on Auto Insurance Policy?

Reader’s Question:

What if I don’t want to list a household member on my car insurance policy in ?

Ben

Marietta, GA

You should always include all household members on your application in your car insurance.

With each insurers it is different. Some insurance companies sells insurance policies for different insurance carriers. Some auto insurance application will ask you the appropriate questions to meet the insurer’s guidelines and the state rules/laws.

Insurance companies need to know about all household members because states laws for personal liability sometimes include all household members. So, the insurance company is representing you and covering you so they need to be aware of the entire risk they are protecting.

Car Insurance Coverage With Expired Vehicle Registration in Georgia

Reader’s Question:

If the tags on vehicle are expired, is the car insurance coverage still in effect? I live in Sandy Springs Georgia.

Robin

Sandy Springs, GA

Insurance carriers terms and guidelines can vary so you will need to verify with your insurance company to find out if your car would be covered if your tags or license plates were expired in Sandy Springs GA.

Generally, your insurance contract is typically in effect regardless of tag or license status. Unless there is an exclusion in your insurance policy then likely your auto insurance would be in effect even if your registration is expired.

If you have let your license plates expire, most states have grace periods so check if you can have them reinstated and up to date without a penalty by verifying with your Department of Motor Vehicles in Georgia.

Minimum Requirement on Georgia Auto Insurance Liability

Reader’s Question:

I just want to know what are the minimum requirements for car insurance in the state of Georgia?

Tom

Columbus, GA

Georgia state law requires motor vehicle owners and lessees to maintain continuous mandatory liability auto insurance coverage of at least the minimum limits in order to operate a vehicle in the state of Georgia highways or roads. The minimum liability limits set by the state of Georgia is commonly referred to as 25/50/25.

These minimum liability limits numbers stand for: bodily injury liability of $25,000 per person up to $50,000 per accident and liability limits of $25,000 per accident for property damage.

Registering Your Car in Georgia For Auto Insurance Coverage

Reader’s Question:

My mother bought me a vehicle. She lives in Alabama and I live in Georgia. Can she insure it in Alabama and I register it here in GA?

Ed

Augusta, GA

The Georgia laws states that you will have to have your car insured in Georgia if your registration and license plates are from GA. Even if Georgia did permit you to have an out of state insurance company cover your car it would likely be hard to find an insurance company that would cover a vehicle that was insured in Alabama but driven and kept out of state in Georgia.

The Georgia Motor Vehicle Division of the Department of Revenue states that car owners and lessees in this state are required to carry continuous GA mandatory liability insurance coverage on their car(s) to:Legally operate a vehicle(s);Register and get Georgia license plates (tags); and, Renew, transfer or replace their existing Georgia license plates (tags).

If your name is on the title of the vehicle your mother purchased for you then it should not be hard for you to obtain your own car insurance on the car. If your name is not on the title then there are some insurance carriers that will permit you to get insurance without insurable interest in the vehicle, but it would not be difficult for you to place coverage on the vehicle if your name was added to the car’s title.

What Kind Of SR22 Auto Insurance is Required In Georgia?

Q: What kind of SR22 auto insurance am I required to carry in Georgia?

A: In Georgia, the most SR22 auto insurance you are required to carry is the state minimum liability. Liability will take care of the medical bills of the injured driver and passengers of another car if you cause an accident, as well as any damage done to that car or any other property. The minimum limits are as follows:

• $25,000 bodily injury liability for a single person
• $50,000 bodily injury total in an accident
• $25,000 property damage liability

Although this is all the SR22 auto insurance that the law requires, you may have other conditions which require you to have more. If you are financing or leasing a car, you will probably have to purchase comprehensive, collision, and even gap insurance. Other possibilities include special features such as roadside assistance and uninsured motorist coverage, although these are never required in Georgia.