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