If you do not already know this, you must live in the state of Georgia. Everyone must have car insurance.
If you are a beginner who just arrived in Georgia from another state or overseas, one of the first things you will want to know is that you need a car insurance. If you think no one will know whether you have insurance or not, think again. In 2003, Georgia made an arrangement where the state police have access to the database of the Department of Motor Vehicle Safety. This information clearly shows that police have expired insurance or insurance.
Now you might think that if you happen to carry an insurance card and had an accident and would have sufficient evidence. It is not, and can not be used as evidence of valid insurance. Unfortunately, having a card can mean the driver is trying to pull a fast one on police. While most car owners will be honest enough to really "have" the necessary insurance, there will always be exceptions to this general rule.
If you already know that you have to have insurance, there remains one other thing in mind; Georgia limit liability. That means you'll need $ 25,000 per person for injuries on the body; $ 50,000 per accident or incident; and $ 25,000 property damage per occurrence. This insurance includes a crash in which the insured is at fault. In other words, if you have car insurance and you when the status of guilt for the accident, then your insurance pay for the goods.
Georgia has a mandatory obligation division. While it often happens that a person is considered completely innocent, there are situations where one side will only pay a portion of the damage because of comparative negligence. Georgia is not a pure comparative negligence state, because you have to prove that the other party is more than 50% sloppy in the plan in memperaiki or restore anything. If you meruakan 50% or more at fault, when you restore anything.
What your insurance cover? Part collisions include actual physical damage to the car owner. Do not make things more complicated than they already sounded, but collision insurance does not really matter under the law of the state of Georgia. It is, however, mandated by most companies lending and leasing. Where it can cause you problems if your car is older than the hills you might not choose to make it because coverage does not exceed the value of your bat. For new vehicle models, you might want to choose coverage.
One other example of insurance you may to consider meruapakan uninsured motorist coverage. It offers extra protection against damage to your car and passenger caused by drivers who are not insured and uninsured drivers. While some people consider this to be an additional burden that they do not want to be charged, considering the cost that you would get when you are involved in a collision with an uninsured motorist. You will be responsible for paying all the damages because that person does not have insurance. roared the scope of uninsured motorists, in many cases, can be added to your liability coverage in case of damage exceeds the parties responsible.
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