Driving a vehicle in the state of Georgia, much like any other state in this great nation, requires a certain amount of forethought as far as insurance is concerned. Automotive insurance is an important aspect of responsible driving and there is certainly no person who should be without such important financial cover.
Legal Requirements for Cheap Georgia Car Insurance
Failing to acquire this type of insurance coverage can hold severe repercussions for the driver. It is also fairly important to note that each state has a different set of requirements regarding vehicle insurance. However, it is safe to assume that “liability coverage” is the absolute minimum in most states. Many states also require the following:
Uninsured/Underinsured Motorist Coverage
Uninsured or underinsured motorist coverage is a clause in an insurance policy that can be a financial lifesaver. In the event that an accident is caused by a person who does not fall under the umbrella of adequate motor insurance protection, UM or UIM can pay for damages caused to you and other passengers. An uninsured driver is someone without any insurance coverage at all, whilst an underinsured driver is one whose financial limits are unable to cover severe damages.
No-Fault Auto Insurance in Georgia
No-fault auto insurance is a smart move for any person who wishes to avoid financial downfall in the event of an accident. When a no-fault automotive insurance policy is purchased, the driver is assured that regardless who is responsible in the event of an accident, the driver will deal with his or her own insurance company and receive financial assistance right away. “No-fault”, in this case does not mean that neither driver is responsible. It simply means that the insurance companies will assign a percentage of fault to each driver, and that in the future this could have a minor effect on one’s monthly premium. Georgia, however, is not a no-fault state so it is not necessary to procure this type of insurance.
Hands-Free Laws in Georgia
Accidents as a result of distracted driving have been on the rise in recent years. Due to the advent of cell phones, people are constantly living on the fast track — seemingly unable to put any calls on hold for any period of time. It is important to keep one’s focus on the road in order to ensure a safer driving environment both for oneself and for other drivers. Under Georgia Senate Bill 360, drivers under the age of 18 are prohibited from using cellular devices and driving at the same time.
Highway Safety Laws
|Cell Phone Ban (Handheld)||School bus drivers w/passengers <17;|
|Text Messaging Ban||Novice drivers w/ Intermediate License, or within 1st 12 months of driving|
Clearly, finding a reputable insurance company is important for any driver. In the state of Georgia, particularly, with its shaky hand-held laws, adequate auto insurance in Georgia is an absolute necessity. Finding a decent insurance company is not as simple as choosing the first name in the local directory. Using the quote generator on this page will certainly assist in alleviating some of the stress.
Ever Wonder if You Could be Saving on Your Car Insurance?!
For insurance information on specific Georgia cities, you can visit the following pages:
- Cheap Savannah Car Insurance
- Cheap Columbus Car Insurance
- Cheap Augusta Auto Insurance
- Cheap Athens Auto Insurance
- Cheap Atlanta Car Insurance
Georgia State Facts on Wiki
FAQ About Georgia State