Car Insurance Quotes - Georgia
GA Car Indemnity Insurance Policies
In the state of Georgia, all drivers are obliged to have 25/50/25 insurance policy. This intends that, your Georgia car insurance policy is mandated by law to keep bodily injury coverage of $25,000 per person, $50,000 per accident and then $25,000 to cover any property damage. Not maintaining car insurance coverage can result in fines of $200 or worse.
Georgia works under the Tort system, this means that unlike other no-fault states, one of the motorists must be found at fault in any given automobile accident. The car insurance underwriter of the driver at fault will then be held financially responsible for all damages resulting from the automobile accident. In Georgia, drivers are not demanded to extra coverage such as personal injury protection or uninsured car insurance coverage. Just because the state does not require these insurance policies doesn’t mean that they are not valuable choices for complemental coverage. There are many people in GA who decide that they want to add PIP and underinsured/uninsured coverage to their car insurance. These are just a couple of of the laws in GA to protect people and their cars. To guarantee compliance with these laws, insurers are supposed to share information about your policy with the State of Georgia Dept. of Revenue by way of a statewide database. Simultaneously, it is urged to keep proof of your insurance coverage with you each time you are driving your car. Without proof of insurance, if you are stopped by the police or involved in an accident, you could be fined $200 or even have your license suspended.
Georgia is not a no-fault state, but instead, they operate under the Tort system. This means that for all accidents, one of the drivers must be found to be responsible and they, along with their insurance firm, will be held responsible for liabilities resulting from the automobile accident.
Personal Injury Protection injury protection is an extension of insurance that is not contingent on on who’s responsible for the car accident. It can help pay for medical fees and other damages after a car accident. It is not demanded in GA but many people add this type of protection to their car insurance coverage.
underinsured Coverage - This optional car insurance policy covers you in the event you are in a collision with an underinsured motorist. Since the person doesn’t have an insurer to pay for damages, this car insurance will assist to pay for them.
To guarantee compliance with the rules, GA insurance companies are imposed to provide details of your insurance policy to a statewide database kept by the Georgia Dept. 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 an automobile accident or are stopped by the police.