Georgia state

Even though the Peach State requires all motorists to obtain and keep automobile policies in effect while operating a moving vehicle, there are still some that choose to ignore these laws. In 2007 the Insurance Research Council found that an estimated 12% of GA drivers were commuting without the proper protection, which in turn means that other vehicle owners should consider taking the proper precautions to protect against these forms of motorists.

The cost of auto insurance in Georgia is fairly low, with an average expenditure of approximately $765 in 2008. Motorists are required to have $25,000 bodily injury liability for a single person, $50,000 for two or more people, and $25,000 per accident for property damage. Even with these reasonable figures there are still those that choose to forgo any policies and still operate a vehicle. Because of this motorists are encouraged to consider adding uninsured motorist protection to their plan. This form of additional coverage offers financial protection to the driver in the event that they are involved in an accident with an uninsured motorist, up to the limits of the policy, which also includes incidents involving hit-and-run drivers as well.

Consequences of Driving Without Insurance in GA

There may be many different reasons for a person to choose not to acquire coverage, but motorists should be aware that the repercussions of driving while uninsured can be disastrous. Although direct consequences for being caught without the proper protection vary from incident to incident, there still remain some common punishments. Motorists could be subject to large fines, have their vehicle impounded, or even acquire jail time depending on the severity of the event and the number of offenses.

There are other repercussions to driving unprotected that do not directly involved citations. If one motorist strikes another, and the driver at fault is uninsured, then there is a good chance that any damages they cause to the other person’s vehicle will have to come out of their own pocket. This also includes medical injuries they may have caused the person whom they have struck. These costs could quickly pile up until the indefensible motorist has potentially thousands of dollars worth of charges that need to be paid. With the proper research, an affordable policy can easily be obtained which could offer at least a small amount of reprieve from these potential losses.

To effectively thwart the chances of being fined or jailed for not having car coverage, a motorist should choose instead to search for a policy that they can afford. Assuming that an individual has chosen to forgo coverage for financial reasons, there are many ways in which a person can obtain an affordable plan. One of the simplest ways of accomplishing this is by doing an online quote comparison in order to determine which companies have the most agreeable rates. To aid in this process the state of Georgia supplies a useful tool to assist motorists in navigating any automobile insurance rate comparisons that they manage to find.