Wed 11 Mar 2009
GA Car Indemnity Insurance Policies
In the state of GA, all drivers are duty-bound to have 25/50/25 car insurance coverage. This implies that, your Georgia car insurance policy is mandated by law to maintain bodily injury coverage of $25,000 per person, $50,000 per accident and then $25,000 to cover any property damage. Not maintaining insurance can result in fines of $200 or worse.
In GA, when an accident happens, somebody is always held answerable – this is how the law works under tort law. Obligation for paying incurred costs lies in the hands of the person found answerable as well as their car insurance company. GA insurance laws do not obligate drivers or drivers to carry personal injury protection coverage, nor do they need the purchase of underinsured car insurance coverage. These policies, while not required, are not a bad alternative to add onto your car insurance coverage. There are many people in Georgia who decide that they want to add PIP and underinsured/uninsured coverage to their insurance policy. These regulations were established to protect individuals and their vehicles on the Georgia roadways. Controlling these rules, the State of Georgia Dept. of Revenue has a statewide database that insurance underwriters are obligatory to keep current with a driver’s insurance information. motorists are encouraged to carry proof of automobile insurance at all times. If you are have not been given an actual card from your car insurance underwriter, you should retain a duplicate of your policy’s declaration page in your vehicle. You will be asked to present this evidence of coverage if you are confronted for a traffic infraction, involved in an accident or stopped at a roadblock.
Georgia is not a no-fault state, but instead, they run under Tort law. This means that for all automobile accidents, one of the involved parties must be found to be responsible and they, along with their car insurer, will be held at fault for liabilities resulting from the car accident.
Personal Injury Protection – This type of incremental coverage covers extra medical damages and other expenses that are not covered under a standard policy.
Uninsured or underinsured car insurance is another nonobligatory extension that can be appended to your car insurance policy. This car insurance coverage protects you in the outcome that the person involved is not insured at the time of the automobile accident.
GA car insurance underwriters are required by law to input the details of your insurance coverage into a statewide database. This database is kept by the Georgia Dept. of Revenue. To protect yourself in the consequence you are in a accident or are pulled over by the police, you should always pack proof of your insurance certificate with you whenever you are in the car. Failure to due so can result in fines of $200 or you could have your license suspended
