Understanding Georgia’s Auto Insurance Laws
If you drive in Georgia, you are legally required to carry auto insurance. State law mandates that all drivers maintain a minimum level of liability coverage to ensure financial responsibility in the event of an accident. Without the proper insurance, you could face severe penalties, including fines, license suspension, and even legal consequences.
What Are Georgia’s Minimum Auto Insurance Requirements?
To legally drive in Georgia, you must have at least the following liability coverage:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury (if multiple people are injured)
- $25,000 per accident for property damage
This coverage is designed to pay for injuries and damages you cause to others in an accident. However, it does not cover your own injuries or damages to your vehicle.
What Happens If You Don’t Have Auto Insurance?
Driving without insurance in Georgia can result in:
- Fines and Penalties: You could face fines of up to $1,000.
- License Suspension: Your driver’s license and vehicle registration may be suspended until you provide proof of insurance.
- Legal Consequences: In some cases, driving uninsured could lead to criminal charges, especially if you cause an accident.
Why Consider Additional Coverage?
While Georgia only requires liability coverage, additional insurance can provide extra protection, including:
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver who has little or no insurance.
- Comprehensive and Collision Coverage: Covers damages to your own vehicle, whether from an accident, theft, or natural disaster.
- Medical Payments Coverage: Helps pay for medical bills regardless of fault.
Need Legal Assistance After an Accident?
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