The Roch Law Firm, P.C.

What Are The Car Insurance Requirements In Georgia?


Georgia’s law on minimum liability limits is $25,000 per individual and $50,000 per crash for personal car insurance. Liability coverage is insurance that you buy that pays for injuries to other people in a car wreck that is your fault.

How Much Insurance Coverage Should I Carry?

How much insurance you should carry is a complicated question that depends on many factors, including your income, your assets and how much you drive. In general, the more assets and money that you have to lose personally, the more car insurance you should have. People often don’t think about what insurance they have, or what they should have, until it’s time to make a claim. By then, it’s too late. If you have questions about proper coverages, I suggest sitting face-to-face with an insurance agent, and have them educate you on the different types of coverage available, to find coverage that best fits your situation. One type of coverage that I do recommend that you explore is medical payments coverage. This type of coverage will pay for medical bills even if a car wreck is your fault. Typically this car insurance is fairly cheap and is supplemental to health insurance. .

Are Most People Surprised At The Amount Of Insurance Coverage They Actually Have?

For many people, car insurance is like a smoke detector. You really don’t think about them until it’s too late. It is a good idea to review your coverage every several years or so. Once you have been with an insurance company for a long time, you may find that you can obtain cheaper coverage through a competitor. Many car insurance companies will fight to keep your business, so if you find a competitive quote from a competitor, you may be able to get your own insurance company to lower the rates to match them. It pays to shop around your coverage every so often.

Does Your State Require Uninsured/ Underinsured Motorist Coverage?

Georgia does not require uninsured or underinsured motorist coverage, but there is a strong state policy for this type of coverage. This means that the default rule is that you have uninsured and underinsured motorist coverage in the amount of the liability coverage that you choose. You have this coverage unless you elect for less coverage. Typically you do this by telling your insurance agent, by checking a box on your insurance application that says that you do not want uninsured or underinsured motorist coverage at all, or you have a request for what’s called Reduced by Limits coverage, which is uninsured motorist coverage and in lesser amount. The reason people select less coverage for uninsured motorist is simply because they want to pay less in premiums.

What Exactly Is Covered Under Underinsured/ Uninsured Motorist Coverage?

Uninsured or underinsured motorist coverage, which in Georgia we call UM coverage, provides protection in a number of situations. First of all, if the person that causes the wreck is uninsured, then UM coverage will step into the shoes of the at-fault driver. In those instances, it’s going to pay just as if it were the at-fault driver. Second, there are many situations where the at-fault driver thinks that they have car insurance, when they actually do not. This could include situations where the at-fault driver’s insurance has been cancelled because they didn’t pay, or where the person who was driving the car did not have permission of the person who owned the car or the person that had the car insurance coverage.

Finally, UM coverage can provide protection where the at-fault driver has insurance, but simply does not have enough insurance. For instance, if you are one of four people in a car involved in a car wreck and all of you need emergency care, it is likely that the at-fault driver who has a low limit insurance coverage is not going to have enough insurance to pay for everybody. In that situation, your UM coverage can provide extra protection.

I Have Medical Insurance, Why Should I Buy UM On My Car Insurance Policy As Well?

There are two big reasons why you would want UM coverage in addition to medical insurance. First, health or medical insurance only pays for the actual doctor bills. It doesn’t pay for pain and suffering, and it certainly doesn’t pay for lost wages related to a car wreck. Consider the situation of a concert piano player who breaks their hand in a car wreck that isn’t their fault, and the other driver doesn’t have insurance. The piano player’s health insurance would likely pay for the x-rays and the casts for the hand, but it’s not going to cover the biggest harm, which is the fact that the piano player is going to be out of work for many months. UM coverage would step in to help pay least damages, if the at fault driver doesn’t have insurance or doesn’t have enough insurance.

Another reason is that many health insurance policies do not pay when the wreck is somebody else’s fault. While you’ll eventually have payment if the other driver has auto insurance, the fact of there being no liability insurance can complicate things, and put you in a situation where you have doctors and other professionals that haven’t been paid.

For more information on Car Insurance Requirements In Georgia, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (770) 345-7624 today.

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