Georgia Auto Coverage Requirements
Georgia is a traditional at-fault state with straightforward liability minimums that producers must know.
Compulsory Liability Limits
Georgia requires minimum auto liability of 25,000 dollars for bodily injury per person, 50,000 dollars per accident, and 25,000 dollars for property damage (a 25/50/25 limit), verified via the Georgia insurance office's auto guidance. Higher limits are available and often advisable; verify current minimums with the state before quoting them as fixed.
At-Fault System and Uninsured Motorist
Georgia uses a traditional at-fault (tort) system rather than no-fault: the at-fault driver's liability coverage responds to the other party's injury and damage claims. Georgia insurers must make uninsured motorist (UM) coverage available; the insured may accept or reject it in writing. UM protects the policyholder when the responsible driver has no or insufficient insurance.
Proof of Insurance
Georgia verifies insurance electronically, and driving without the required liability coverage can lead to fines and suspension of the registration. Producers should stress to clients that lapses are detected automatically and can create costly reinstatement steps.