Georgia Motorcycle Insurance Laws

Published: 07th October 2010
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For residents of Georgia, motorcycle insurance is mandatory if you intend to ride lawfully on the road. In fact, scooter and motorcycle insurance is now required in every state of the union save three (Florida, Montana, and Washington). Typically, this means you won't be able to tag a motorcycle or scooter in GA without displaying your insurance card to the DMV officers.

You'll find quite a few assorted kinds of protection that insurance advisers endorse. Only liability coverage is mandatory, but these additional coverages could come in handy.

  • Bodily Injury Liability

  • Property Damage Liability Limit

  • Uninsured Motorist Coverage

  • Collision Coverage

  • Comprehensive Coverage

Insurance against drivers who are under-insured or uninsured altogether comes highly recommended for motorcyclists. Why? Because 1 in 10 GA motorists do not carry insurance, and a lot more are underinsured.

Since automobile drivers are oftentimes the culprit in accidents with bikes, you should try to look after your own self monetarily. Although supplemental coverage may elevate your Georgia motorcycle insurance quotes, it may well be well worth the added price - specifically in the event of a vehicle accident.

As in most states, liability is the required form of Georgia motorcycle insurance coverage. Liability safeguards you money wise if you are judged to be at fault for personal injuries or damages to a 3rd party.

Despite the fact that a lot of people don't expect that a motorbike can result in much harm, you might be blown away by what kind of damage an out of control bike can do.

Georgia has policies mandating the degree of maximum liability coverage you are required to maintain. Typically, you will see these insurance requirements listed as three dollar sums, much like this: $25,000/$50,000/$25,000.

  • Bodily Injury Liability Limit for Individual: $25,000

  • Bodily Injury Liability Limit for Every Person in Accident: $50,000

  • Property Damage Liability Limit: $25,000

Keep in mind that standard liability coverage cannot protect the rider, the motorcycle, or passengers - only your legal vulnerability for injuries to other people. If you ride a scooter or moped, check out specific scooter insurance guidelines in Georgia.

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