Georgia Auto Insurance Laws
This short article provides a quick introduction to Georgia’s motor insurance legal guidelines. We’ll glance at Georgia’s “fault-based” insurance system and the kinds of automobile insurance protection required by Georgia. If you’re seeking much more general informative data on the appropriate rules linked to car accidents in Georgia, you’ll believe it is within partner article car crash Laws in Georgia.
Georgia is a “Fault” Auto Insurance State
Georgia uses a “fault” system with regards to problems like responsibility and insurance plan after a vehicle accident. Which means an at-fault driver is likely for just about any accidental injury or home damage resulting from the accident, along with his or the woman insurance plan will be checked to first in purchase to satisfy this responsibility. In Georgia, one hurt in an auto accident can search for compensation for problems in one of three straight ways:
- by processing a claim along with his or her very own insurance carrier (the business will turn around and seek settlement from at-fault driver’s insurer)
- by pursuing a claim using various other driver’s insurer straight (often called a “third celebration” claim), or
- by processing an accident suit in civil court (especially if settlement negotiations break down)
Note: In no-fault states, an injured driver must very first exhaust his or her very own policy’s restrictions or achieve a statutory limit of damages before following others motorist, despite who had been at fault. Treatments may limited during these says. Although this is not necessarily a problem for Georgia motorists, you can easily find out more about no-fault rules in No-Fault auto insurance and State Laws: the fundamentals.
Minimum Auto Insurance Needs in Georgia
Georgia legislation requires that the owner of an automobile carry responsibility insurance coverage on that vehicle. The minimum liability protection a driver must carry in Georgia appears like this:
- $25, 000 the damage or death of one person (yourself, a traveler, another motorist, pedestrian, etc.)
- $50, 000 for damage or death of more than one individual in one accident
- $25, 000 for residential property damage
It should be noted that while they're the minimal amounts of protection motorists are required to carry under Georgia law, it will always be better to carry even more coverage. If you're bought at fault for a major accident and the damages go beyond the limitations of plan, then you can certainly be held responsible for the real difference.