The state of Georgia requires to maintain continuous Georgia liability insurance coverage to private passenger vehicles, owned and leased, that cover the following minimums: $25,000 for bodily injury per person, $50,0000 for bodily injury per accident for two or more people and $25,000 for property damage per accident.

Proof of liability insurance coverage must be carried at all times, it is required by this state that all motorized vehicles have auto liability insurance, this exempts non motorized vehicles like campers, trailers and any other vehicle that is pulled by a motorized unit. To demonstrate financial responsibility, the insurance company from which you acquired your policy must provide you with an Insurance ID Card.

The ownership of continuous liability insurance coverage applies to all that want to legally drive a vehicle, register and obtain license plates and renew, transfer or replace existing license plates in the state of Georgia.

 In the event of being self insured, the Office of Insurance and Safety Fire Commissioner must provide you with an information card containing all data needed for this type of coverage. Binders provided by the insurance company when acquiring the first insurance for your car, have an expiration of 30 days after they are emitted, after that you must have received your insurance ID Card. Also the Bill of sale when a buying a new car and the insurance declaration can be used as proof for the first 30 days.

Your Insurance Company has the responsibility of electronically share your insurance status and other information to the Department of Revenue.

Motor Vehicle Division (MVD) can suspend your registration for as much as six months for not complying with these specifications or not having with you the Insurance liability card of proof. Also penalties for this fault can be a lapse fee of $25 and a registration fee up to $160.

Although Liability insurance coverage is the minimum required, it is only wise to posses other coverage for any eventualities and to protect your assets.

Insurance companies may also offer the following types of coverage:

• Uninsured/Underinsured Motorist:  There are some cases in which the person responsible for the accident does not have enough coverage to pay for all expenses (underinsured) and you'll need to pay for some of them. Underinsured Motorist will help take care of you in such events. Similar to it, Uninsured motorist will help pay you for all damages and injuries you and your passengers may suffer; keep in mind that liability insurance coverage is there to pay for the others if you are held responsible.


• Collision and Comprehensive: These two types of coverage help to pay for damages your vehicle may have suffered. Collision, as its name explains, pays for collision damages inflicted to your vehicle, while Comprehensive coverage pays for damage caused by a non collision related accident, such as debris falling on your vehicle during a tornado, flooding, fire, vandalism, etc. This is useful also if you live in a region where wildlife can be encountered.