In Georgia, what are the minimum car insurance requirements?

All drivers in Georgia are required to carry car insurance. Minimum car insurance requirements in the state of Georgia are 25/50/25. These numbers refer to the liability limits for bodily injury and property damage.

Bodily Injury Liability Requirements

In the event of a car accident, this type of insurance is meant to protect your assets from potential lawsuits. The monies listed represent the maximum amount of compensation that may be paid to another driver and passengers involved in the accident.

Insurance minimums for bodily injury liability mean there is a $25,000 maximum allowance for each person injured with a $50,000 maximum allowance per accident.

Therefore, if you are responsible for a car accident, each of the people injured may be compensated up to $25,000; however, only up to $50,000 would be allowable for the total payout of the accident. 

Minimum insurance requirements may be a problem for at-fault drivers. For example, if compensation for the injured parties exceeds the $50,000 limit, you may be wondering: how will the excess amount be paid? An at-fault driver may be sued by the injured parties for the remaining monies.

Property Damage Liability Requirements

The last number refers to the total amount that can be paid to repair and replace the other driver’s car or property. In Georgia, car insurance requirements for property damage are $25,000 per accident. Again, drivers need to consider how much this allowance will actually cover and what they will do if the total amount is over this minimum.

Contacting an Attorney When You’ve Been Injured

If you are the victim of another driver’s negligence, you have a right to just compensation, which may exceed the Georgia minimums. To help you understand your rights, first read our free eBook: Buying Car Insurance in Georgia: An Insider’s Guide to Getting Maximum Protection, then contact the Atlanta Law Offices of Sheryl L. Burke for a no-cost consultation at 404-842-7838.
Sheryl L. Burke
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Atlanta Injury Attorney