Almost every state in the U.S. requires drivers to carry some kind of insurance. New Hampshire and Virginia do not require drivers to have insurance, but still hold them responsible for damages in accidents in which they are at fault. Most states require liability insurance to cover damages inflicted when the insured driver is at fault, while other states are “no-fault” insurance states and require that drivers carry “personal injury protection” insurance policies to cover injuries to themselves and their passengers. Even in the 48 states that require drivers to have some kind of insurance, an astounding number of drivers choose to ignore those requirements and carry no insurance at all. This can lead to some interesting liability questions.
Georgia Does Not Require Uninsured Motorist Coverage
Georgia state law does not require motorists to carry uninsured motorist insurance, or UMI. The state requires insurers to offer the coverage and sets forth allowable deductibles, minimum policy coverages, and the like, but allows drivers to refuse the coverage so long as they do so in writing. If accepted, UMI covers all of the damages the at-fault driver’s insurance would have covered if the driver had carried insurance, depending upon the coverage limits of the policy. UMI can come in handy, as one in eight drivers nationwide do not have any insurance, required or not. In Georgia, 12% of drivers have no insurance, ranking the state 25th for the highest percentage of uninsured motorists – right in the middle.