Liability Laws

Compulsory liability insurance law. Owners of motor vehicles must provide proof of liability insurance at the time they apply for registration. Insurance coverage must be submitted electronically by insurance companies to the Georgia Department of Revenue. Exceptions: (1) vehicles covered under a commercial vehicle policy may continue to use an insurance card; (2) if a policy was provided in the last 30 days a written binder agreement is sufficient; (3) a rental car agreement provides proof of insurance; and (4) if a driver can prove that he or she bought the car within the last 30 days then a written declaration of coverage for another motor vehicle is good proof of insurance.

Drivers must keep proof of minimum insurance coverage in vehicle.

All motor vehicle insurance policies issued in the state must provide coverage for damage for liability on account of accidents of not less than $25,000 because of bodily injury or death of 1 person in any 1 accident, to a limit of not less than $50,000 because of bodily injury or death to 2 or more persons in any 1 accident, and $25,000 because of injury to or destruction of property of others in any 1 accident.

State has non-resident service process of law and limit on liability to injured guests.

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