Georgia drivers can carry three kinds of liability coverage, including property damage liability, bodily injury liability, and personal injury protection. These types of liability coverage protect the driver if he or she causes an accident that results in personal injury or property damage. By carrying this insurance, the driver is also protected from paying for lost wages, medical expenses, or pain and suffering that a person may have experienced as a result of the accident.
Personal Injury Protection, or PIP for short, is also a requirement in Georgia. This insurance pays for any injuries that the driver may have experienced as the result of the accident, even if the driver caused the accident to occur.
In Georgia, the minimum amount of coverage a driver must carry is 10/20/10. This means that the driver must carry at least $10,000 in coverage per person for injuries that occur as the result of an accident caused by the insured driver. The driver must also carry $20,000 in coverage per accident.
Bodily Injury Liability, which is referred to as BI for short, is insurance that covers the insured driver if someone is injured as a result of the accident. It also pays in the case of death resulting from the accident. This applies to the driver of the other vehicle as well as any passengers in either vehicle or pedestrians involved in the accident. This coverage must be $10,000 per person and $20,000 per accident in order to meet the minimum requirements.
Property Damage, or PD insurance, is insurance that pays for the replacement or repair of property that is damaged in an accident that is the insured driver’s fault. This may include the vehicle of the other driver or any other property that may have been involved, such as poles, walls, and more. This coverage must be at least $10,000 per accident.
Georgia drivers must present proof of insurance coverage in order to register a vehicle and to legally drive the vehicle in the state. If the driver does not have insurance, he or she must be able to prove that he or she is capable of paying for these expenses out of his or her own pocket.
There are many ways that a driver in Georgia can prove that he or she has the proper coverage. The simplest method is to carry the temporary insurance card that is issued by the insurance company. Other methods, however, may be used to prove the coverage is in place. For example, the driver may show his or her premium receipt or an insurance binder that was issued by the agent. The driver may also show a current declarations page demonstrating that a policy is in place.
Other documents may also be used to prove auto insurance coverage. For example, the driver may shoe the actual insurance policy or a certificate of liability insurance policy that has been issued by either an authorized agent or an insurer.