It is required by law that all Georgia state automobile owners must have auto insurance. In 2003 a policy was enacted that gave the Georgia state police an insurance database which feeds from the Department of Motor Vehicle Safety. This database pinpoints vehicles with expired or no insurance. Though the presence of an insurance card is still important in case of collision, it can not be used as 'proof' of valid insurance.As Georgians scrambled for insurance, they had to keep one thing in mind: minimum liability limits. Georgians need a minimum of:$25,000 per person body injury,
$50,000 per occurrence,
and $25,000 property damage per occurrence.The required insurance will cover accidents in which the holder is at fault. Georgia functions on a controversial Tort system. This means that when an auto accident occurs, one party must be found at fault. The party at fault will pay for all damages through their insurance. The presence of the Tort system will vary depending on the state.Collision insurance covers the physical damage of the owner's car. Collision insurance is not required by Georgia law, but it is mandated by most leasing and lending companies. Consumers maybe not see fit to buy collision insurance for an older car, however, because coverage does not typically exceed the value of the vehicle. Comprehensive insurance will protect the vehicle from damages not resulting from collision, such as theft, flood, fire, animal damages, etc.Though it is not required, uninsured motorist coverage gives auto owners extra security by protecting the owner against charges from damages to car and passengers caused by uninsured drivers. If one can afford uninsured motorist coverage, it will certainly lessen the frustration in the unlucky event of such a collision.Affordability of insurance can depend on driving record, age, and type of car, and type of insurance. With so many factors to consider, it makes sense to compare quotes online. New car owners in Georgia only have about 20 days to obtain insurance for their vehicle. With limits like these, car owners must act fast in order to receive the most coverage for the least amount of money. Obtaining car insurance can be a costly and complex matter. Technology has made it possible to review and verify one's car insurance online. And thankfully, the web can offer cheap insurance quotes and consumers can research reviews and compare ratings of companies before making any commitments.
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