Can I Register the Car in Georgia and Have Car Insurance in Another State?
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 Does a Non Owner SR22 Insurance Policy Cover?
Q: Should I get into a car accident, what insurance will cover the damages? My non owner SR22 insurance, or the insurance belonging to the owner of the car?
A: Non owner SR22 insurance is a special exception in the car insurance world, but the normal rules still apply. And those rules are that car insurance is attached to the car most of the time, and not to the driver, so if you drive a friend’s car and get into a car accident, then you will be covered by the insurance policy that car is named on so long as you had reason to believe the policy owner would allow you to drive the car.
Even if you only drive insured cars, you will stil need your non owner SR22 insurance coverage, although you may never use it. It’s there as back up, as proof of your responsibility. And, if your friend’s own car insurance coverage runs out in a bad crash, your own will kick in and extend the limits.
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