Georgians Are Required To Have Automobile Insurance

Georgians Are Required To Have Automobile Insurance

Georgians Are Required To Have Automobile Insurance

Motor vehicle accidents occur every day and commence a long, arduous, stressful process that typically has physical, emotional, and financial costs. Georgia law requires that all Georgia motorists have minimum amounts of insurance coverage. Liability insurance pays damages to other parties, on behalf of an insured, for injury to or damaged property of others, up to the limits of the policy.

Residents of Georgia may not drive legally on Georgia’s streets, roads, and highways unless they have automobile insurance. While Georgia requires its residents to have car insurance, it does not require showing an insurance card as proof of insurance. Instead, law enforcement officers check the Georgia Electronic Insurance Compliance System (GEICS) to electronically verify that a stopped motorist has valid car insurance.

If your car insurance is canceled and you fail to replace it, the Georgia Department of Driver Services (DDS) will send a notice requiring compliance with the state’s car insurance legal requirements and the potential penalties, fines, and driver’s license suspensions, for noncompliance. Without proof of car insurance in the GEICS database, Georgia drivers will not be able to register their vehicle or renew their car’s registration in Georgia.

Georgia requires drivers to carry, minimally, the following type and amounts of coverage:

  • Bodily Injury Liability Coverage: $25,000 per person / $50,000 per accident minimum; and
  • Property Damage Liability Coverage: $25,000 minimum.

While Georgia does not require uninsured motorist insurance, it may also be included in a policy. The minimum required limits are $25,000 per person / $50,000 per accident minimum for uninsured motorist bodily injury coverage; and $25,000 minimum with a $250, $500 or $1,000 deductible for uninsured motorist property damage coverage. Uninsured motorist coverage protects drivers when an “uninsured” motorist causes an accident which damages a vehicle or injures the driver or passengers of another vehicle, however different limits of uninsured motorist coverage exist which may provide you with additional coverage.

Choose your uninsured motorist coverage carefully. If involved in an accident, do not ignore anything that may necessitate medical treatment, even if injuries are apparently minor. Contact your attorney and insurance company immediately. The attorneys at H. Lehman Franklin, P.C. offer experienced and quality representation for all accident victims.

The attorneys at H. Lehman Franklin, P.C.  have the experience and expertise to protect your rights. Our office is located at 127 North Main Street in Statesboro, GA (30458). We proudly serve Bulloch County, as well as the surrounding counties of Candler, Evans, Bryan, Chatham. Effingham, Screven, and Jenkins. Contact our office by telephone at 912-764-9616, by email at, or check us out online. We’re available to meet your legal needs Monday through Friday from 8:30 AM until 5:30 PM.