Minimum Auto Insurance Requirements in Georgia
Every state requires that motorists have a specific amount of insurance coverage on their vehicle. If a motorist isn’t properly insured they can face criminal penalties, fines, and other fees associated with not having insurance. If you are involved in an accident without the required amount of motor vehicle insurance, penalties can be increased. Georgia has specific laws mandating the minimum amount of coverage a motorist is required to have if they own a motor vehicle.
A Fault State
Georgia is a “fault” state which means that the driver who causes the accident is liable for the injuries and property damaged caused in the accident. Their insurance policy will be looked at first for compensation. When you contact a personal injury attorney they can guide you through the process of filing a claim with the other driver’s insurance company, as well as their own insurance company. States that are called “at-fault” states must first use their minimum medical insurance coverage for medical expenses before the at-fault driver’s insurance company can be asked to pay for expenses.
What Insurance Am I Required By Georgia Law To Carry?
The law in Georgia specifically states that liability insurance must have liability insurance. The minimum coverage is shown below:
- $25,000 for the injury or death of one person (yourself, passenger, another driver, pedestrian, etc.)
- $50,000 for the injury or death of more than one person in a single accident
- $25,000 for property damage
Remember, these are minimum requirements. If it is possible, you may want to get coverage that is beyond the minimum required. If any claims exceed your limits you will still be required to pay costs that are above your level of coverage.
Additional Coverage Not Required By Georgia Law
As stated above, you may want to carry additional coverage if you are ever involved in a motor vehicle accident. Under-insured / uninsured motorist coverage isn’t mandatory in Georgia; however, if you are involved in an accident in which the at-fault motorist has no insurance or poor insurance coverage, you will be protected by your under-insured/uninsured motorist coverage, also known as UIM. Be aware however, that Georgia UIM coverage is divided into two categories. Reduction and Excess coverage. Excess coverage will go on top of the insurance limits the other motorist may have. If your UIM policy is $25,000 and they have coverage of $25,000 then the overages will cancel each one out. But if you have $100,000.00 in UIM, you would have an additional $75,000.00 of possible coverage make sure you have the minimum auto insurance requirements in Georgia.
If you have been injured in a motor vehicle accident contact Attorney Skip McManes. He has 23 years of personal injury experience and can help you sort out the particulars of your motor vehicle accident. He will work to get you a fair settlement. Contact McManes Law at (770) 645-8801, Toll Free at (866) 612-2481, or visit our website. We offer free consultations. Even if we aren’t able to take your case we will be able to direct you on to your next step.