I Have Car Insurance in Georgia, but I Was in an Out of State Accident

If you are a resident of the state of Georgia, and you are covered by the state's minimum insurance requirements, your insurance policy will cover you in an accident across state lines. This means that if you are in a car accident in another state, and that state has higher minimum car insurance requirements than Georgia, your Georgia car insurance will automatically increase to meet that state's requirements.

For instance, Georgia's car insurance requirements are a minimum of: 

  • $25,000 of bodily injury liability for one person in one accident;
  • $50,000 bodily injury liability for all persons in one accident; and
  • $25,000 property damage liability for one accident. 


However, if you are in a car accident in North Carolina, and you have purchased the minimum amount of Georgia car insurance, your policy will automatically increase to meet North Carolina's minimum requirements. This means that in North Carolina you will be covered for: 

  • $30,000 of bodily injury liability for one person in one accident;
  • $60,000 bodily injury liability for all persons in one accident; and
  • $25,000 property damage liability for one accident. 


If you drive a motor vehicle in Georgia, you must meet the Georgia car insurance requirements. This will cover your damages or whoever you injure in the event of a car accident in Georgia. To know more about Georgia car insurance requirements, and exactly what is required, visit our article library.

Contacting a Georgia Personal Injury Attorney

When filing a personal injury claim, it is important to have an experienced professional on your side. As the victim of a Georgia accident, you have rights that the insurance companies cannot ignore. While they have a team of lawyers working on their side, shouldn't you have experienced legal representation fighting for your best interests? Before accepting any settlement offer, contact the Law Offices of Jason Schultz to schedule a FREE consultation on your case - 404-474-0804

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