Deciding to operate a motor vehicle within the United States, regardless of which state you choose to drive within, generally comes with the legal requirement that you carry some form of car insurance. The state of Georgia provides no exceptions to this rule, and legal repercussions for ignoring it can vary in severity. While pretty much every state, including Georgia, requires some level of liability insurance, other requirements vary from state to state.
Uninsured/Underinsured Motorist Coverage
Uninsured or underinsured motorist coverage (UM/UIM) offers you protection from having to pay for damages from an accident with someone who is either uninsured or underinsured. Regardless of who is at fault, you could be left holding the repair and/or medical bills unless you have this insurance. In the state of Georgia, this coverage is not mandatory, but you may want to consider it for your own peace of mind, particularly if you do a lot of driving or drive in heavy traffic areas on a regular basis.
No-Fault Car Insurance in Georgia
Some states are considered “no-fault” states when it comes to auto accidents, meaning that in those states it is possible that none of the parties involved in an accident will be found legally at fault and responsible for damages resulting from the accident. In such states, Personal Injury Protection (PIP) is usually required in addition to liability insurance, as PIP is coverage that is designed to cover medical or funeral expenses that result from a no-fault accident. Georgia is not a no-fault state and thus does not require no-fault insurance in the form of PIP.
Hands-Free Laws in Georgia
In today’s technological world, it would seem that multi-tasking is a must. However, multi-tasking behind the wheel of a motor vehicle can result in distracted driving and a greater chance of having an accident. With the rising numbers of accidents resulting from distracted driving, many states have instituted “hands-free” laws in an attempt to cut down on this type of accident. In Georgia, restrictions under this type of law are as follows:
RESTRICTIONS ON CELLPHONE USE AND TEXTING
|Across the Board hand-held ban||None at this time|
|Young drivers||all cellphone use Banned for drivers under the age of 18|
|Bus drivers||all cellphone use Banned for all school bus drivers|
|Texting Ban||all drivers|
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For a chance at even greater savings, visit one of the following city pages:Georgia Facts
Georgia Gov Site