As a driver, you know that you share the road with thousands or millions of other motorists. According to the Georgia Governor’s Office of Highway Safety, there are more than 1,000 accidents on Georgia roadways every day. This means that there are more than 40 accidents every hour. It is quite likely that you will be involved in an accident at some time or another. Luckily, most crashes are minor. However, some are more serious and result in severe injuries or fatalities.
Motorists in Georgia are required by law to carry vehicle insurance. This is to protect yourself and your passengers as well as others on the roads. While some states require drivers to carry Personal Injury Protection (PIP), Georgia is not one of them. However, you can add PIP to your insurance and it may be wise to do so, especially if your other medical coverage is insufficient. You are also not required to carry uninsured motorist insurance. It is prudent to have this coverage as protection in accidents with drivers who are not insured.
Liability Insurance Requirements in Atlanta
There are several liability insurance requirements in Georgia. The State of Georgia Department of Revenue provides details of the insurance requirement laws. All motor vehicle owners and lessees must maintain continuous liability insurance coverage on vehicles that have active registrations. There are three distinct types of liability insurance that are required in Georgia. These include:
- Bodily injury liability for one person in an accident
- Bodily injury liability for multiple people in an accident
- Property damage liability
The law sets specific minimum insurance requirements for each type of liability insurance. The minimum liability insurance requirements are 25/50/25. This equates to:
- $25,000 bodily injury liability for one person in one accident
- $50,000 bodily injury liability for all persons in one accident
- $25,000 property damage liability in one accident
You must have insurance on your vehicle before you can take it on the road. If the police stop you for a traffic violation or if you are in an accident, the police will verify your insurance through the Georgia Electronic Insurance Compliance System (GEICS). It is important to know that if you go without a valid insurance policy for longer than 10 days, the Georgia Department of Revenue will suspend your vehicle’s registration and you will not be allowed to drive the vehicle until a valid insurance policy is in effect.
Additionally, the vehicle may be impounded and you could be charged with a misdemeanor if you drive without valid insurance. Once the registration is suspended, you will need to pay a reinstatement fee. If you have several or more instances when your insurance lapses you may not be allowed to reinstate insurance on the vehicle for 90 days to six months.
About Car Insurance in Atlanta
Car insurance is designed to protect you and others in case you are hurt in a motor vehicle accident. If you have been injured in a car accident you may need to file a claim with your insurance company for damages. You may be entitled to compensation for your medical expenses, lost wages if you were unable to work because of the accident, and money for physical and mental pain and suffering.
When the accident is the other driver’s fault, their insurance should cover your losses. The insurance company will determine fault in the accident and may offer you a settlement to pay for your expenses. An experienced Atlanta car accident attorney will work on your behalf to get the compensation you deserve. If a settlement cannot be reached, the case may need to go to court.
Contact our Atlanta car accident attorneys at The Bader Law Firm to discuss the details of your injuries.
Seth Bader is an Auto accident, Workers Compensation and Personal Injury Attorney who practices in Atlanta, Rome, Savannah, Norcross, Carrollton, Georgia. He graduated from Florida State University College of Law, and has been practicing law for 14 years. Seth Bader believes in fighting for the injured. Learn more about his experience by clicking here.