It is important for everyone that gets behind the wheel of a car to in Georgia to understand some of the main Georgia auto insurance laws.
The main GA car insurance law that is necessary to understand is the most basic one - there state mandated requirement for car insurance coverage.
All drivers in Georgia are required to have insurance in place before getting behind the wheel.
Your insurance company must inform the State Department of Motor Vehicles (DMV) if a policy is cancelled.
Once this information has been received by the DMV, a letter is prepared and sent to the driver in question requesting that he or she provide proof they are covered by a new policy.
If the response to the letter reveals that a lapse in coverage has occurred, the vehicle owner will be charged a lapse fee.
Getting caught without insurance coverage has severe consequences: in this situation, your driver's license will be suspended immediately.
You can get it back by buying a new policy and paying for six months' coverage in full, in addition to a lapse fee and a restoration fee.
Failing to respond to a letter from the DMV will have the same result.
You will be given 30 days to draft a response, which should be sufficient time to answer the inquiry.
Instead of ignoring the correspondence, a better way to handle the situation is to get insurance if you aren't covered, and pay the lapse fee.
Getting caught without insurance again within five years of the first occurrence, you are looking at a 90-day license suspension.
After the 90-day period is up, you can have your license reinstated in the same manner as for a first offense.
Obviously, the wisest course of action is to keep you insurance up to date and your driving record as clean as possible.
Be sure that you are not only keeping on top of your coverage requirements but also that you are shopping around to find the cheapest GA car insurance.
Rates can change dramatically over time so be sure and shop around.