Liability Insurance — GA
Liability insurance pays for injuries and property damage you cause to others in an accident — it does not cover your own vehicle or injuries.
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What Is Liability Insurance Insurance?
Liability insurance is the only coverage Georgia law requires you to carry. It pays for the other driver's medical bills and vehicle repairs when you cause an accident. The policy has two components: bodily injury liability covers medical expenses, lost wages, and legal fees for people you injure, while property damage liability pays for vehicles and structures you damage.
- You strike a guardrail and total your car. No other vehicles are involved. Liability coverage does not apply because you did not damage another person's property or cause injury to another driver. You receive no payout. If you carry collision coverage, that policy pays for your vehicle repairs minus your deductible.
Who Needs Liability Insurance Insurance?
You must carry liability insurance if you want to drive legally in Georgia or satisfy reinstatement requirements after a suspension. Drivers with SR-22 filing obligations cannot let liability coverage lapse for even one day during the three-year filing period or the state re-suspends the license and restarts the clock. Drivers without a vehicle should carry non-owner liability to meet reinstatement conditions and maintain continuous coverage for future rate eligibility.
Buy liability coverage at minimum Georgia limits if you are only satisfying reinstatement requirements and have no assets to protect. Raise limits to 100/300/100 if you own a home, have significant savings, or caused a serious accident that led to your suspension — you are statistically more likely to cause another at-fault crash during the post-reinstatement period, and minimum limits leave you personally liable for damages exceeding the policy cap.
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