Georgia Automobile Insurance Laws

The state of Georgia has some specific laws and regulations relating to automobile insurance. These have been developed keeping in mind all the problems that might be faced by motorists involved in an accident or any other automobile-related problems.

Georgia provides uninsured motorist coverage to those who cannot get insurance. Also, some insurance companies do not provide coverage in certain situations and so the money cannot be recovered from these companies even when the individual buys an insurance policy from such companies. The uninsured motorist coverage law takes care of such individuals. However, only those individuals who are able to prove that the insurance company is not covering the loss are eligible for this coverage. As with any other law, this law, too, has some exceptions that have been put into use by the judges.

The state of Georgia guarantees all insured citizens the right to be reimbursed for all the damages caused by the owner of an uninsured vehicle. All damages, be they property damage, personal injury or even wrongful death, that might have occurred as a result of the accident can be recovered from the uninsured party as per the automobile laws in Georgia. Another interesting law that has been passed by the state of Georgia ensures that in the event an accident involves two federal employees, the amount to be reimbursed can be deducted from the liability insurance up to a certain limit. This is when the subrogation liens provided by the federal government are counted as part of the reimbursement amount calculation. The insurance company would cover the rest of the amount to make up for the whole reimbursement cost.

Georgia motorist laws sometimes allow the guilty party to come up with the reimbursement amount. However, as with all the other laws, there can be certain exceptions to this also. The party wishing to stack all the insurance coverage must be eligible to do the same. Such stacking is possible only when both the automobiles involved in the accident are insured. When one of them is uninsured, then that party is not eligible to stack the insurance coverage and take care of the injured party. Also, all of them must be insured only under one person's name, and being a part of another's policy does not count.

Last but not least, Georgia has a law which states that, if the defendant motorist cannot be located or traced, and is also uninsured, then the injured party can move for a service by publication on the other party. In such instances, the absconding motorist's vehicle becomes liable under the uninsured motorist statute as well as under the contract of the insured party.

The state of Georgia also has a number of laws concerning the common carriers such as the trucks and containers. When involved with an automobile accident, the best option would be to track down a good lawyer specializing in this field to help out with the case.