In the state of Georgia, auto insurance is a legal requirement. The cost can vary, with some sources stating it is more expensive compared to other states while others maintain it is less costly. Regardless, all drivers in Georgia are obliged by law to have liability insurance. This safeguards them financially and any other individuals involved in an accident. Insurance is a must if you intend to drive in the Peach Tree State. It is also crucial to be aware of certain other stipulations.
Auto Insurance in Georgia
The State of Georgia mandates a minimum coverage of 25/50/25 for drivers. This split limit bifurcates the available coverage amounts into per-person, per-accident, and property damages. Additionally, Georgia operates as a diminished value state. This indicates that drivers have the right to reclaim diminished value from the at-fault party’s insurance company. Therefore, the requisites include not being at fault for the accident, being supported by appropriate documentation, possessing a vehicle with a market value of over 7,000 dollars, and having a low to average mileage.
Moreover, the vehicle should incur more than $500 in property damage, have a clean title, and be less than ten years old. Failure to provide proof of insurance in Georgia can lead to a $25 fine, which may rise significantly if not paid swiftly. The offender may also face up to a year in jail, a license suspension stretching between 60 to 90 days, or vehicle impoundment.
O’Mahony Insurance Agency LLC, Serving Macon, GA
If you reside in the Macon, GA, area and require auto insurance, please contact O’Mahony Insurance Agency LLC. Our proficient, experienced, and amiable agents will go above and beyond to help you find the policy that is ideally suited for you.
