What Are The Vehicle Insurance Requirements in Georgia
Motorists in the Peach State are required by law to maintain vehicle insurance in order to register a vehicle or obtain state license plates, and failure to do so could prevent a resident from renewing, transferring, or replacing any existing license plates or tags. If a driver is caught without the proper protection they may be fined or the vehicle in question may be impounded. In order to avoid these repercussions and operate a motor vehicle, residents are strongly encouraged to purchase a suitable policy. According to the Georgia Department of Revenue, all vehicle protection plans must include $25,000 of bodily injury liability for a single person, $50,000 for two people or more, and $25,000 for property damage liability.
As part of the process of ensuring that motorists are properly covered, all vehicle owners must carry an insurance card within their vehicle at all times which details one’s policy, including the names of the insured persons, the coverage start and expiration dates, and a number of other important details. Having this card alone, however, may not suffice as proof of coverage. When a motorist signs up for Georgia Vehicle insurance their vehicle’s vehicle identification number (VIN) is transmitted by the coverage provider to be cross referenced with the state’s GEICS Insurance Database which is then available to law enforcement officers and the county tax commissioner. It is through this database, along with one’s coverage card, that a vehicle owner is able to prove that they are properly insured.