Car Insurance Rate Quotes – Georgia
Georgia Indemnity Insurance Laws
In the state of GA, all motorists are obligated to have 25/50/25 insurance policy. This intends that, your Georgia car insurance policy is required by law to maintain bodily injury coverage of $25,000 per person, $50,000 per accident and then $25,000 to cover any damage to property. Those that do not hold this minimal amount of insurance coverage can be fined $200 or worse.
GA works under Tort law, this means that unlike other no-fault states, one of the motorists must be found at fault in any given automobile accident. The insurance underwriter of the driver at fault will then be held answerable for all damages resulting from the automobile accident. In Georgia, drivers are not imposed to incremental coverage such as personal injury protection (PIP) or underinsured car insurance coverage. These policies, while not obligatory, are not a bad alternative to add onto your car insurance. There are many people in GA who decide that they want to add PIP and underinsured/uninsured coverage to their car insurance policy. These regulations were enacted to protect people and their cars on the GA roads. Regulating these rules, the State of Georgia Department of Revenue has a statewide database that insurers are demanded to keep current with a driver’s insurance information. motorists are urged to carry proof of insurance
car insurance at all times. If you are have not received an actual card from your insurance firm, you should retain a copy of your policy’s declaration page in your car. You will be asked to present this evidence of car insurance coverage if you are stopped for a traffic violation, involved in an automobile accident or stopped by police.
Being a no-fault state, all accidents in GA must have somebody found at fault to be at fault and their insurance underwriter is also accountable for damages.
Personal Injury Protection or PIP is an extension of insurance that is not dependant upon on who’s responsible for the accident. It can help pay for medical expenses and other costs after a motor vehicle accident. It is not obligatory in GA but many people add this type of protection to their insurance policy.
Uninsured or underinsured car insurance coverage is another elective extension that can be added to your car insurance. This car insurance protects you in the case that the party involved is uninsured at the time of the car accident.
To assure compliance with the rules, Georgia insurance companies are obligatory to provide details of your car insurance policy to a statewide database maintained by the Department of Revenue. It is also recommended to carry proof of car insurance with you everytime you drive. You may be asked to show this proof if you are involved in a motor vehicle accident or are stopped by the police.
