Finding auto insurance rates that align with their budget is a struggle for most people. Insurers assess several factors to help calculate auto insurance premiums, which may lead to confusion. If you're striving to stick to a strict budget, you may view your auto insurance as something you can cut to save money. However, if you're a Georgia resident, driving while uninsured is both dangerous and expensive.
Driving without insurance in Georgia is severely frowned upon, and uninsured drivers are considered a liability. To help prevent an increase in uninsured driving, state lawmakers in Georgia will subject you to extensive penalties and fines if they find out you're driving without insurance.
Each state has its own guidelines concerning auto insurance requirements. You must purchase auto insurance in Georgia if you own a car. If you're leasing a car, your lenders will require that you purchase insurance. Liability coverage is the foundation of auto insurance policies. The coverage protects you if you accidentally hit someone or cause property damage. Georgia drivers are obligated to keep liability insurance at all times. Maintaining liability insurance is the only way that you can legally drive your car, register your vehicle, and renew your license plates annually.
You'll be penalized if the DMV finds out you don't have insurance. Insurance companies are legally required to inform the state about any terminations, drops, or additions to your auto insurance policy. If you decide to drop your coverage, the DMV will find out soon. You could also face a fine if you're pulled over, and your insurance information card is not present. You are required to carry your registration on you at all times while on the road.
Gaps in coverage are among the most common ways people receive a penalty for driving without insurance. Once your coverage expires, your insurer will contact the DMV. You will have a month to find new insurance. Be aware that a coverage gap during this period may still occur if ten days pass when you are uninsured. If you secure coverage during the month without a 10-day gap occurring, you will not be fined. However, you are subject to a fine if a gap in coverage occurs before you find a new auto insurance policy. If you cannot secure insurance within two months, your driver's license could be suspended. If your license is suspended, you'll be subject to a reinstatement fee before the suspension is lifted.
If you're stopped by law enforcement, and you don't have insurance, you may be charged with a misdemeanor, which will leave a permanent stain on your driving record. If you've been caught driving without insurance more than once, you could be subject to jail time. If you are liable for causing an accident while you're an insured driver, you could also face serious financial consequences. If the injured party files a lawsuit against you, you'll be responsible for covering all of the legal costs out of pocket, which could drain your assets entirely.
Driving without insurance could lead to various legal and financial problems. If you're concerned about your auto insurance rates, contact the team here at Liberum Insurance, and we will help you find affordable auto insurance in GA.
Liberum Insurance is an Independent Agency. We have access to top A-rated carriers so we can provide great coverage at competitive rates. Our priority and fidelity are to our clients first.
