{"id":11021,"date":"2016-03-24T22:11:42","date_gmt":"2016-03-24T22:11:42","guid":{"rendered":"http:\/\/firstnewnan.com\/?page_id=11021"},"modified":"2024-04-17T19:00:30","modified_gmt":"2024-04-17T23:00:30","slug":"georgia-regulations","status":"publish","type":"page","link":"https:\/\/firstnewnan.com\/did-you-know\/georgia-regulations\/","title":{"rendered":"Georgia Regulations"},"content":{"rendered":"<h3><span style=\"font-size: 14pt;\">What mandatory auto insurance laws exist in the state of Georgia?<\/span><\/h3>\n<ul>\n<li><span style=\"font-size: 14pt;\">In the state of Georgia, all drivers must carry accident liability insurance for all vehicles they own.<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">In the state of Georgia, the minimum amounts that you may carry in order to satisfy the law are $25,000 per person for bodily injury, $50,000 per accident for bodily injury to two or more people, and $25,000 per accident for property damage.<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">In the state of Georgia, the law allows certain exemptions from carrying auto insurance. These exemptions include:<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Owner moved to another state or the ownership was transferred out of state<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Vehicle lease was terminated<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Vehicle was repossessed, stolen, or not driven because it was inoperable<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Vehicle was stored or used seasonally for agricultural purposes<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Vehicle was wrecked, salvaged, or junked\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-size: 14pt;\">What is the Minimum Liability Coverage (Bodily Injury amounts per person, per accident, and property damage amounts)?<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\">If you buy automobile insurance in the state of Georgia, your policy must include minimum liability coverage of: $25,000 per person for bodily injury\u00a0 |\u00a0 $50,000 per accident for bodily injury to two or more people\u00a0 |\u00a0 $25,000 per accident for property damage<\/span><\/p>\n<h3><span style=\"font-size: 14pt;\">What are the Rental Car Insurance Requirements?<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\">In the state of Georgia, every car that you drive must have at least the minimum coverages in order to satisfy the law. If you are renting a car in the state of Georgia, the rental company, by law, must provide the state-required amount of liability insurance. If your current insurance policy or your credit card does not cover rental cars, you must purchase liability insurance from the car rental company. The cost typically ranges from $7-$14 a day.<\/span><\/p>\n<h3><span style=\"font-size: 14pt;\">What are the rules pertaining to Uninsured\/Underinsured Motorist Coverage?<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\">Because Georgia follows a Tort system, state law does not require its motorists to purchase Uninsured\/Underinsured Motorist coverage (UN\/UIM) nor Personal Injury Protection (PIP) coverage. However, many Georgia motorists do add this optional coverage to their car insurance policies for added protection mainly because the Tort system is unlike No Fault coverage in that the Tort system holds the driver found to be at fault in an accident and their insurance company liable for all damages that result from the accident.<\/span><\/p>\n<h3><span style=\"font-size: 14pt;\">What are the rules pertaining to the exclusion from coverage of a driver living in household?<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\">In the state of Georgia, it is a common practice for insurance companies to exclude a driver from your policy for a variety of legitimate reasons under the law. This is permitted under Georgia law. Such exclusions must be stated in the policy or by endorsement. The driver\u2019s coverage is not valid while a specifically excluded driver is allowed to drive the vehicle, so it is important to be aware of all policy driver restrictions.<\/span><\/p>\n<h3><span style=\"font-size: 14pt;\">What are the rules regarding whether a driver has prior insurance? That is, how does state law handle it if a driver has no prior insurance or has let their previous insurance lapse?<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\">If you allow your insurance to lapse in the state of Georgia, the penalties are stiff. In addition to stiff penalties, your vehicle registration could be suspended. The state of Georgia defines a \u201clapse\u201d as 10 or more days without continuous insurance coverage. If your coverage lapses for any reason, 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, the fees increase. By the third offense, your reinstatement fee will increase to $160. If you are caught driving with a suspended registration, you will be charged with a misdemeanor.<\/span><\/p>\n<h3><span style=\"font-size: 14pt;\">What are the rules and guidelines auto insurance companies must follow regarding the use of Personal Credit History in selecting applicants and setting rates?<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\">In the state of Georgia, insurance companies are permitted to use Personal Credit History to determine rates. Drivers with good credit and a clean driving record may be qualified as \u201cpreferred\u201d customers. This means the risk is lower for the insurance company and in turn you will enjoy lower premiums.<\/span><\/p>\n<h3><span style=\"font-size: 14pt;\">Is the state a No Fault or Tort state? What does either mean to the policy owner?<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\">Georgia follows a Tort system. This means that the state of Georgia does not require its motorists to purchase Personal Injury Protection (PIP) coverage nor Uninsured\/Underinsured Motorist coverage (UN\/UIM). However, many Georgia motorists do add this optional coverage to their car insurance policies for added protection mainly because the Tort system is unlike No Fault coverage in that the Tort system holds the driver found to be at fault in an accident and their insurance company liable for all damages that result from the accident.<\/span><\/p>\n<h3><span style=\"font-size: 14pt;\">What is the average auto insurance premium in the state of Georgia? As of what year?<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\">As of 2013, Georgia\u2019s resident\u2019s average insurance premium was approximately $800, the 19th\u00a0most expensive in the nation. This was up 4.2% from the previous year. The national average was $841.<\/span><\/p>\n<h3><span style=\"font-size: 14pt;\">Sources<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\"><a href=\"http:\/\/www.iii.org\/media\/facts\/statsbyissue\/auto\/\" target=\"_blank\" rel=\"noopener noreferrer\">Insurance Information Institute<\/a><\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.oci.ga.gov\/home.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">Georgia Department of Insurance<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What mandatory auto insurance laws exist in the state of Georgia? In the state of Georgia, all drivers must carry accident liability insurance for all vehicles they own. In the&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1599,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Georgia Regulations - First Newnan Insurance Group, Inc. | Newnan, GA<\/title>\n<meta name=\"description\" content=\"Learn about the insurance rules and regulations in Georgia.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/firstnewnan.com\/did-you-know\/georgia-regulations\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Georgia Regulations - First Newnan Insurance Group, Inc. | Newnan, GA\" \/>\n<meta property=\"og:description\" content=\"Learn about the insurance rules and regulations in Georgia.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/firstnewnan.com\/did-you-know\/georgia-regulations\/\" \/>\n<meta property=\"og:site_name\" content=\"First Newnan Insurance Group, Inc. | Newnan, GA\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-17T23:00:30+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/firstnewnan.com\/did-you-know\/georgia-regulations\/\",\"url\":\"https:\/\/firstnewnan.com\/did-you-know\/georgia-regulations\/\",\"name\":\"Georgia Regulations - 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