Many states have enacted auto insurance requirements to protect the other person if you cause an accident. These requirements hold drivers financially responsible for things that happen while they’re behind the wheel. What about requirements in Atlanta, GA?
Bodily Injury
GA has minimum requirements that every driver must meet before operating a vehicle on public roads. Policies must include coverage for bodily injury. This coverage helps pay for medical bills. Liability coverage only covers the other driver in the accident if you’re at fault. Drivers must have $25,000 in coverage per person and $50,000 per accident.
Property Damage
Minimum liability policies must also include at least $25,000 in property damage coverage. This can help cover the other person’s vehicle or property if you’re at fault for the accident. For example, if you hit a person’s garage, the property damage portion of your policy will help pay for repairs. Our agents at Rob Hill Insurance Group can help you learn more about state minimum requirements.
Continuous Coverage
GA also requires continuous coverage. That means you shouldn’t let it lapse for a month. Many companies report electronically to the state that people have coverage, so it’s crucial to maintain minimum coverage.
Consequences for Noncompliance
If you let your auto insurance lapse, you can face escalating consequences, especially if you repeatedly get caught driving without coverage. Penalties can include fines, license revocation, jail time, and more. Your vehicle may be impounded, which can result in additional fines. Overall, it can be more expensive to drive without a policy. You’ll also be financially responsible for any damages that happen if you’re at fault for an accident.
Agents here at Rob Hill Insurance Group can help you learn more about coverage in Atlanta, GA. We understand the minimum requirements and will ensure your policy complies with the law. Contact us to learn more.