Is Motorcycle Insurance Mandatory in Georgia?

If you plan on driving a motorcycle, it is important to be familiar with state laws. You may be wondering, “Is motorcycle insurance mandatory in Georgia?” In Georgia, if you drive any motor vehicle, you are required to have insurance. There are several requirements your motorcycle insurance must cover before you can even register your motorcycle or receive a state license plate.

What are the Motorcycle Insurance Requirements?

In Georgia, your motorcycle insurance has to follow several requirements to be considered valid. For example, your liability insurance must cover at least:

• $25,000 for property damages involved in a motorcycle accident
• $25,000 for bodily injuries or death of one person in a motorcycle accident
• $50,000 for bodily injuries or death of all people involved in a motorcycle accident

However, these minimum requirements do not cover your own expenses. Purchasing additional liability insurance coverage could help you in the event of an accident.

Additional Types of Motorcycle Insurance

In Georgia, you are only required to carry the minimum liability insurance. However, it may be wise to consider including other motorcycle insurance coverages, like the following:

• Roadside assistance: This will allow you to have assistance in case of a flat tire, gas delivery, battery jump start, or towing.
• Collision coverage: This insurance protects the motorcycle after you pay a deductible and could reimburse you for the costs of repairing your motorcycle.
• Comprehensive coverage: This insurance covers damages to your motorcycle caused by hazards that extend beyond a vehicle crash (fire, theft, or vandalism).
• Uninsured coverage: This coverage provides compensation for medical bills, lost wages, and emotional damages in the event that you are in an accident with a driver with no insurance.

Determine what your priorities are when purchasing insurance. If you want your motorcycle to be protected, consider collision coverage. However, if you want extra personal protection from other drivers, consider comprehensive coverage.

State Requirements for Motorcycles

It is important that you always carry proof of insurance when riding your motorcycle because if you are pulled over, you can be asked to see proof of insurance. Additionally, anyone on a motorcycle, both the driver and passenger, must be wearing a safety helmet at all times.

Consult an Attorney to Learn More About Mandatory Motorcycle Insurance Coverage in Georgia

The amount of motorcycle insurance coverage you purchase can make a huge difference if you are ever involved in an accident. An experienced motorcycle crash attorney could help you determine what coverage is right for your situation and help you save money in the event of an accident. Reach out to Smith Hulsey Law to learn why motorcycle insurance is mandatory in Georgia.