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Georgia Car Insurance Requirements

Georgia Minimum Car Insurance Requirements

As is the case with many states in America, Georgia requires all drivers to carry a mandatory minimum amount of liability insurance. This not only protects you and your assets but other drivers on the road. Failure to provide proof of insurance can have some severe consequences. The required minimum liability insurance coverage for the state of Georgia is as follows:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

Lacking the outlined car insurance limits in Georgia has some pretty hefty penalties. If you are financing your car, you could be required to obtain additional insurance on top of the mandated liability coverage.

Comparative Fault in Georgia

Georgia is what is known as a comparative fault state. This means that fault in an accident can be shared between the drivers as opposed to all fault falling onto one party. But, in the state of Georgia, if one driver is found to be more than 50% responsible for the accident they are not eligible to recover any compensation or damages.

Georgia Liability Coverage

The state of Georgia only requires you to carry a certain amount of liability insurance. It covers both property damage and bodily injury the other driver sustains in an accident you are at fault for. Liability insurance will never pay for your expenses, you would need to expand your policy for that to be the case. Bodily injury coverage pays for medical expenses while the property damage aspect covers damages to the other driver’s vehicle. More on these coverages are explored in a later section.

Georgia Diminished Value Policy

Georgia is one of 15 states that is a diminished value state. Diminished value states allow you to recover losses from the at-fault driver’s insurer that you may encounter when you go to sell your car after an accident. Even if your car is completely repaired after an accident, its value still suffers slightly. when you go to sell your car you may find you can only get so much for it due to its accident history. If this is the case, you may be able to file a diminished value claim with the other party’s insurance company if they were the ones at fault.

In order to do this, the state of Georgie requires you to meet the following requirements:

  • You were not the one responsible for the accident
  • You can present the proper documentation from the accident, including photos and receipts
  • The accident occurred less than 4 years ago
  • Your vehicle has a market value of at least $7,000, over $500 in property damage, low-to-normal mileage, a clean title, and is less than 10 years old
  • Georgia does have uninsured motorist coverage for this type of claim

Car Insurance Limits in Georgia

As touched on in a previous section, there are a few different categories under liability insurance. Each category also comes with its own limits, or how much your insurer will pay up to for coverage. If you obtain only the state-mandated minimum liability insurance for the state of Georgia, you would have a 25/50/25 policy. Known as a split limit, this divides the coverage limits into three sections: per-person, per-accident, and property damage. What is covered in each is explained below.

  • Bodily injury per person refers to the maximum amount of money your insurer will pay for injuries to one person in an accident you caused.
  • Bodily injury per accident is the amount your insurance company will pay for all injuries you cause in an accident.
  • Property damage per accident refers to the amount your insurer will pay out for damage you cause to the other person’s vehicle in an accident you are responsible for.

Is Georgia’s Mandatory Insurance Minimums Enough Coverage?

Despite the fact Georgia has a higher minimum liability insurance requirement than most states, it does not mean you are totally protected when carrying it. If an injury is serious enough, $25,000 may not even make a drop in the bucket to begin covering medical bills. This also goes for property damage. $25,000 probably cannot sufficiently cover the cost of a new vehicle should you total someone else’s. Once coverage limits have been exhausted, you will be on the hook for the remainder of the expenses. This can be detrimental to you financially. It is always best to expand coverage limits and utilize policy add-ons.

Driving Without Insurance in Georgia

As previously mentioned, driving without insurance in Georgia can have some serve consequences. The table below outlines what you can be facing should you be caught driving without the mandated minimum liability insurance coverage in Georgia.

Consequences
1st Offense
2nd Offense
3rd Offense
Fines
$25 lapse fee
$25 lapse fee
$25 lapse fee
Reinstatement Fee
$60
$60
$160
License Suspension
60 days
90 days
6 months
Jail Time
Up to 1 year
Up to 1 year
Up to 1 year

In addition to the penalties outlined above, you could also be facing an SR22 requirement along with your vehicle being impounded. If the accident resulted in serious injury or death, you could be hit with felony charges.

Additional Types of Car Insurance in Georgia

While the state of Georgia only requires drivers to carry liability insurance, there is a variety of other types of car insurance you can add to policy to strengthen coverage. It is recommended you consider doing this so you are driving with full protection. Listed below are some common car insurance policy add-ons.

  • Comprehensive: Comprehensive coverage pays for damage your car sustains when it is not moving. Some perils this includes are theft and extreme weather.
  • Collision: This covers damages your vehicle sustains in an accident no matter who was at fault. When paired with comprehensive coverage, it is known as “full coverage” auto insurance.
  • Gap Coverage: If you have an auto loan or lease your vehicle and it is totaled before you can pay it off, gap coverage insurance will come in to help. This insurance will pay for the difference in the actual cash value of your car and what is left on the loan.
  • Medical Payments: This courage goes toward medical bills you accumulate due to an accident. It can also be expanded to cover funeral expenses and lost wages.
  • Roadside Assistance: The type of help roadside assistance provides depends on the insurance company you have a policy with but, typically, it will offer help when your car experiences mechanical breakdowns.
  • Uninsured Motorist Coverage: Despite car insurance being required by law in many states, millions of drivers choose to drive without a policy. If you are in an accident with such a driver, uninsured motorist coverage can come into play to help pay for damages and medical expenses. Underinsured motorist coverage will help if the other driver does not have enough insurance to cover accident expenses.

Car Insurance is Important For Any Georgia Driver

It is impossible to predict accidents but it is possible to be prepared for one. This would mean carrying adequate insurance that can protect both you and your assets. Failure to obtain the required insurance policy in Georgia can result in you facing some hefty penalties, not to mention the financial responsibility that gets tacted on. You want to be a safe and smart driver. Carrying the correct car insurance policy for you is the best way to go about that.

*This product may not be available in every state, please call an agent for more information.

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