Georgia car insurance requirements are in place as a protective measure for yourself and other drivers. While the average Georgia car insurance premium tops out around $788, there are many drivers who inadvertently allow their car insurance coverage to lapse. Then there are others who purposely avoid fulfilling Georgia car insurance requirements.
State laws are firm when it comes to Georgia car insurance requirements, and failure to get the proper coverage can result in steep fines and strict penalties. Going 10 or more days without Georgia car insurance is considered a lapse in coverage.
When the state considers your insurance coverage to have lapsed you will incur penalties including:
- immediate suspension of your license;
- lapse fee of $25; and
- reinstatement fee of $60 (to renew your license plates).
For recurring offenses within 5 years, you could be subject to steeper fines ($160 for the third offense); a 90-day suspension of your license and a suspension of your car's registration. Perhaps most severe is a misdemeanor charge that goes along with recurring car insurance offenses.
While these penalties should be taken seriously, they won't help you if you are injured in a Georgia car accident by an uninsured or underinsured driver. That is why you may want to consider purchasing additional coverage beyond Georgia's minimum car insurance requirements. Uninsured and underinsured motorist coverage as well as other forms of personal injury protection (PIP) may offer the coverage you need if an uninsured motorist causes your car accident.
Maintaining Georgia car insurance requirements is important, especially because Georgia is known as an at-fault state, which means that in the case of an accident, the responsible person and their insurance company can be held accountable for all damage incurred as a result of the accident.
For questions about how your insurance coverage or that of the at-fault party's insurance will affect your car accident claim, contact an Atlanta car accident lawyer.
Contacting an Atlanta Car Accident Lawyer
If you are the victim of someone else's negligence or carelessness, whether in a traffic accident or some other type of accident, you have certain rights guaranteed by law. To help you understand these rights and seek the compensation you may be eligible for to help get your life back in order, contact the Atlanta Law Offices of Sheryl L. Burke for a no-cost consultation on your injury case.