Georgia Property & Casualty Insurance License Exam — All Questions
3 questions
What are Georgia's minimum auto liability limits?
- a.$15,000 / $30,000 / $10,000
- b.$10,000 PIP and $10,000 property damage
- c.$25,000 / $50,000 / $25,000✓
- d.$50,000 / $100,000 / $50,000
Georgia requires minimum liability of 25,000 dollars bodily injury per person, 50,000 dollars per accident, and 25,000 dollars property damage (25/50/25), per the Georgia insurance office's auto guidance. Verify current figures with the state.
How does Georgia handle auto accident liability?
- a.As a traditional at-fault (tort) state, where the at-fault driver's coverage responds✓
- b.As a pure no-fault state where each driver's insurer always pays its own insured
- c.By barring all auto injury lawsuits
- d.Through a state-run no-fault fund
Georgia is an at-fault (tort) state: the driver responsible for a crash is liable, and that driver's liability coverage responds to the other party's claims. Georgia is not a no-fault state.
Regarding uninsured motorist (UM) coverage, Georgia insurers must:
- a.Never offer it
- b.Make UM coverage available, which the insured may accept or reject in writing✓
- c.Include unlimited UM at no charge
- d.Provide UM only to commercial policyholders
Georgia requires insurers to make uninsured motorist coverage available; the insured may accept or reject it in writing. UM protects the policyholder when the at-fault driver is uninsured or underinsured.