Georgia Car Insurance Requirements
Minimum Liability Limits
In the state of Georgia car insurance requirements state that all drivers must maintain at least a minimum level of liability auto insurance coverage. The minimum amount allowed by law in the state of Georgia is a 25/50/25 plan. What this means is that all drivers must have at least $25,000 worth of bodily injury liability coverage per person involved in an accident up to $50,000 per incident as well as $25,000 in property damage liability coverage per accident.
A Tort System
The state of Georgia follows a tort system which means that in the event of an accident someone must be found to be at fault. The person found to be at fault will be responsible for paying damages to the other party. If you are found to be at fault in an accident your insurance provider will cover the other party's expenses up to the dollar amount specified in your policy.
The Limitations of Liability Coverage
Having a minimum amount of liability coverage will not pay for your medical bills or property damage if you are the one at fault. To cover your own expenses regardless of who is at fault would require a comprehensive plan. People that drive newer, more expensive vehicles often choose to get a comprehensive plan for added protection.
It is important to make sure you're in compliance with Georgia car insurance requirements if you choose to operate a motor vehicle in this state. You must have at least the minimum amount of coverage and you must also be able to provide proof of insurance to any peace officer who requests to see it. It's a good idea to keep your insurance card either on your person or in your vehicle so that if you are ever pulled over you will be able to produce proof of insurance upon request.
