Georgia Motorist’s Minimum Insurance Coverage Requirements (Part A)
If you are a motorist in Georgia, it is important to know the minimum Georgia car insurance requirements. These requirements establish the minimum levels of insurance coverage that every motorist must buy. In some states this coverage will protect you against property damage, personal injury, and damages caused by uninsured motorists.
However, in Georgia you are not required to carry personal injury protection (PIP) insurance, nor uninsured motorist coverage (UM). Georgia car insurance requirements only require motorists to have liability insurance for:
- bodily injury liability for one person in one accident;
- bodily injury liability for all persons in one accident; and
- property damage liability for one accident.
Furthermore, Georgia car insurance requirements set the minimum amount that you will need for each of these 3 types of car insurance coverage. The minimum Georgia car insurance requirements are set at 25/50/25, which means that you will need:
- a minimum of $25,000 of bodily injury liability for one person in one accident;
- a minimum of $50,000 bodily injury liability for all persons injured in one accident; and
- a minimum of $25,000 property damage liability for one accident.
Car Insurance Coverage Across State Lines
If you are covered by Georgia car insurance requirements and you are involved in an accident across state lines, and that other state requires higher minimum insurance coverage, your policy will automatically increase to meet those higher requirements.
For instance, if you are involved in an accident in North Carolina, where the minimum insurance requirements are 30/60/25, your Georgia car insurance requirements will be raised to meet North Carolina's minimum requirements.
If you are covered by Georgia car insurance requirements, and you have been injured in a south Atlanta car accident, you should get the help of an experienced Georgia personal injury attorney.
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