Liability Insurance — Georgia
Liability insurance pays for damage and injuries you cause to others in an accident — it does not repair your own vehicle or cover your own medical bills.
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What Is Liability Insurance Insurance?
Liability insurance is split into two components: bodily injury liability, which pays medical bills and lost wages for people you injure, and property damage liability, which pays to repair or replace vehicles and property you damage. If you cause an accident that exceeds these limits, you pay the difference out of pocket.
- You don't own a vehicle but need continuous liability coverage to satisfy Georgia's SR-22 reinstatement requirement. A non-owner liability policy provides the required 25/50/25 limits and allows your insurer to file the SR-22 with the Georgia Department of Driver Services. If you borrow a friend's car and cause an accident, your non-owner policy pays after the vehicle owner's insurance exhausts its limits.
Who Needs Liability Insurance Insurance?
You need liability insurance if you're seeking license reinstatement in Georgia after any suspension that triggers SR-22 filing requirements — specifically DUI or DWI convictions. Georgia requires continuous liability coverage during your entire three-year SR-22 period, even if you're not driving. If you don't own a vehicle, a non-owner liability policy satisfies this requirement and costs significantly less than standard coverage.
Check your suspension notice or reinstatement letter for the phrase 'proof of financial responsibility' or 'SR-22 filing required.' If SR-22 is required, you must maintain liability coverage for the full three-year period starting from your conviction or suspension date. If you own a vehicle, standard liability coverage includes SR-22 filing. Purchasing higher limits than 25/50/25 protects you from personal liability in serious accidents, but Georgia only requires minimums for reinstatement.
How Much Does Liability Insurance Insurance Cost?
- Prior insurance claims filed in the past three years increase liability premiums even if your license was suspended — carriers view claims history and driving violations as independent risk factors.
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