All About Auto Insurance In Georgia

10/6/2009 - Finance As your vehicle whizzes by the peach trees and red clay soil, there are a few things that you need to know about auto insurance in Georgia. Like any state, Georgia has its own set of rules for how much insurance a driver needs, which kind of vehicles are covered, and how to prove that your car is indeed insured. Thankfully, even if you drive out of state, these rule still apply, so you only need to comply with one set.

When you purchase a car in Georgia, you have to be able to cover the monetary cost of all damages if you get into an accident, either with another vehicle or with a stationary object such as a tree or a fence. All registered vehicles need to get this insurance. These vehicles include all cars, vans, and SUVs, as well as motorcycles, light trucks, and commercial trucks. Insurance is not needed on ATVs (all-terrain vehicles), mopeds, and vehicle accessories that do not have their own engine such as trailers and campers.

Once you realize that your new car does indeed need insurance, there are two ways that you can go. In Georgia, insurance is the way to prove that you have the financial means to cover all damages. You can do this either by self-insuring or going through the Office of Insurance and Fire Safety Commissioner. Self-insuring means keeping a lot of money around, or hunting for a private company that gives you a better rate than the state. Understandably, most people choose the latter option.

The minimum state mandated insurance requirements for Georgian drivers are as follows:

- 25, 000 dollars for bodily injury of yourself- 50, 000 dollars for bodily injury if two or more people are injured per accident- 50, 000 dollars for property damage per accident

There are variety of ways that you can prove you have this kind of money ready to cover your expenses in an accident. First of all, all insurance companies are required to electronically submit your insurance coverage proof to a state-wide data base.

You can even check your insurance online. It is a good way to make sure that you aren't behind in your payments. You also need to carry an insurance card inside your car. This too is issued by your insurance company.

Auto insurance in Georgia is easy. The state provides you with the means to get basic coverage and prove that you have it.