Georgia Liability Insurance Meets Requirements Of The Law - By: John Denvert

Regardless of where you live or drive your car in the state, if a vehicle is registered it must have a minimal amount of Georgia liability insurance. The state requires as a basic minimum 25/50/25 coverage be purchased and maintained at all times the vehicle registration is in effect. Allowing coverage to lapse can be costly.

If a driver is stopped by an officer in this state, just having a card stating coverage is not enough. The officer will likely contact the state database to ensure the coverage is currently in effect. This prevents drivers from purchasing a policy and only making the down payment while still carrying the proof of coverage card.

The fee for a first offence of not meeting the state financial responsibility law is a $25 lapse fee and $60 to reinstate the registration. In addition, any ad valorem taxes due must be paid. A second or third offence carries the same financial penalties, but also has a mandatory cancellation of the vehicle's registration for up to six months.

Being caught with coverage in the event of an accident can be even more costly. The driver can face all the state fees and penalties along with the responsibility to repair vehicles and pay for medical expenses. Coverage can protect one's financial future.

The internet makes it easy to find the best price on coverage. Simply ask for quotes that can be sent to you by email for easy comparison. If you have a vehicle loan, you may need to purchase more coverage than if you own the vehicle outright.

Georgia liability insurance laws pertain to any driver that is licensed to drive in by the state. Drivers from other locations that operate their vehicle in the state should comply with the coverage laws that apply to the state that issued their license.

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