Auto Insurance

Georgia’s auto insurance laws differ from those in most states, and your Structured Insurance Agency, LLC agent can help you determine the best coverage for your vehicle. Georgia requires car insurance but doesn’t require you to show an insurance card.

Policy Requirements

In Georgia, you have to carry liability insurance to cover injuries or damages suffered from an accident that you caused.

Bodily Injury

Bodily Injury coverage is for hospital fees and Emergency car associated with the accident. Georgia has required minimum state limits, it is always wise to have more than just the state limits if possible.

Property Damage

This coverage pays for damage you may have caused to the other driver's car and property. Georgia has a minimum state limits of $25,000 per accident. If at all possible it is better to have more than the state limits.

Optional Auto Insurance Products

Most companies that sell insurance in Georgia also offer optional coverage. Work with your Structured Insurance Agency, LLC agent to discover which optional insurance coverage is right for you.

Collision

Covers your automobile for damages suffered in an accident.

Comprehensive

Covers non collision-related damages to your car, such as vandalism

Uninsured Motorist

Pays for damage caused by another person with no insurance

Medical Payments

This is an optional coverage that pays for medical and funeral expenses associated with an auto accident. It covers the policy holder and anyone in the vehicle at the time of the accident.

Funeral Expense

Also called Accidental Death Coverage it is an optional coverage which covers Funeral Expenses for the insured or anyone in the car at the time of the accident.

Rental Car Costs

Can also be known as Loss of Use Coverage. It extends coverage to a rental vehicle with the same limits as the insureds vehicle. It also pays a fixed cost per day for a rental car. This is optional coverage.

Covers your automobile for damages suffered in an accident.
Covers non collision-related damages to your car, such as vandalism
Pays for damage caused by another person with no insurance
This is an optional coverage that pays for medical and funeral expenses associated with an auto accident. It covers the policy holder and anyone in the vehicle at the time of the accident.
Also called Accidental Death Coverage it is an optional coverage which covers Funeral Expenses for the insured or anyone in the car at the time of the accident.
Can also be known as Loss of Use Coverage. It extends coverage to a rental vehicle with the same limits as the insureds vehicle. It also pays a fixed cost per day for a rental car. This is optional coverage.

Georgia Proof of Insurance

In Georgia, ID cards do not serve as proof of insurance. Instead, law enforcement officers check the Georgia Electronic Insurance Compliance System (GEICS) to verify this electronically. It is your insurance agency’s responsibility to update this information in GEICS.

If your car insurance is canceled, you may be subject to fines and suspension of your license. You also won’t be able to register your vehicle if GEICs isn’t updated with your insurance policy information.

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