In the state of Georgia, auto insurance is the law. All Georgia state drivers must carry minimum auto liability insurance in the amount of 25/50/25. This means in order to operate a vehicle on Georgia highways and byways, you must carry:
$25,000 of Liability Bodily Injury coverage per person injured
$50,000 of Liability Bodily Injury coverage per accident
$25,000 of Property Damage coverage per accident
Liability auto insurance refers to insurance against loss resulting from civil liability for injury or damage to the persons or property of others. The Georgia Department of Insurance strongly recommends purchasing higher amounts of auto insurance than the legal limits plus uninsured/underinsured motorist insurance (UM/UIM). At over 5,757,953, Georgia has the 10th largest number of licensed drivers on the road. More than 12% of these drivers are uninsured. UM/UIM auto insurance will protect the states insured drivers against the more than 690,954 drivers that defy state laws and drive without insurance. Unfortunately, thousands more drive with inadequate insurance.
If you decide to drive without auto insurance in Georgia, you risk losing more than your life savings in the unfortunate event of an accident. If you are caught driving without insurance in The Peach State, you face a 60-90 day license and registration suspension. If you have not carried continuous auto insurance for 10 days or more, you will be fined a $25 lapse fee along with a $60 reinstatement fee before you can renew your license plates. For second-and third offenses, your reinstatement fee will increase up to $160. If you are caught driving with suspended registration, you will be charged with a misdemeanor.
Purchasing insurance in Georgia is simple. Sites like Insuredonline.info provide drivers the choice of insurance companies serving their area. The average yearly cost for Georgia automobile insurance is $1,346. Compared with the financial risk and anxieties related to driving without insurance, this is a small price to pay.
