Understanding Georgia's Uninsured Motorist Law
Lawyers representing drivers charged with violating Georgia uninsured motorist law
With more than 80 years of combined experience in criminal defense, our lawyers at Gentry, Smith, Dettmering, Morgan, Schnatmeier & Collins, LLP can help you avoid fines, driving record points and driver’s license suspension when you have been cited for noncompliance with Georgia auto insurance laws.
Georgia Electronic Insurance Compliance System
In 2003, the state established the Georgia Electronic Insurance Compliance System (GEICS) to verify insurance compliance. The GEICS database contains a list of insured cars in Georgia. Insurance companies are tasked with uploading information to the state’s computer system about every policy it issues or renews — including the vehicle’s identification number (VIN) and the policy’s effective date — within 30 days from the date coverage begins. The Georgia Department of Motor Vehicles (DMV) crosschecks the GEICS data with the information listed in the tag database that tracks by VIN numbers.
Police officers can now access auto insurance information during a traffic stop or car accident to verify on the spot whether the motor vehicle is insured. You no longer have to show your insurance card if your car is registered in Georgia. However, the police officer may cite you for a traffic violation if your VIN does not appear in the GEICS. You should carry your insurance card as proof of coverage when driving outside of Georgia and during the first month following your coverage start date. Because your information is not entered into the GEICS, out-of-state drivers must also possess proof of insurance.
Driving without insurance
Georgia statutes require individuals driving on Georgia public roads and highways to carry at least the minimum liability insurance — which currently is $25,000 per person and $50,000 per occurrence for bodily injury and $50,000 per occurrence for property damage. You may also opt to add uninsured motorist coverage in Georgia to your policy to compensate you for injuries and vehicular damage you sustain in an accident involving an uninsured driver. In Georgia, uninsured motorist coverage is not mandatory, but liability insurance is. The penalties for failing to maintain continuous minimum coverage can result in driver’s license suspension, motor vehicle registration suspension and fines.
Contact our Marietta law firm for effective representation when you face charges for traffic violations involving failure to maintain or produce proof of your auto liability insurance coverage.
Learn more about how our assertive criminal defense attorneys in Marietta, Georgia can defend you against insurance violation citations
Learn more about building a strong defense in cases involving failure to maintain continuous liability coverage and failure to show proof of insurance.