GA DMV Insurance and Financial Responsibility 2 — Questions and Answers
Question 1: If you are involved in a Georgia traffic accident causing injury or death, you must report it to:
- Law enforcement immediately (Correct answer)
- The DMV within 24 hours
- Your insurance company only
- The local county clerk within 72 hours
Correct answer: Law enforcement immediately
Georgia law requires that any accident involving injury, death, or significant property damage be reported to law enforcement immediately.
Question 2: Georgia's SR-22 certificate is required for drivers who:
- Have had their license suspended for certain violations (Correct answer)
- Are first-time drivers under 18
- Own commercial vehicles
- Have more than 3 moving violations
Correct answer: Have had their license suspended for certain violations
An SR-22 is a certificate of financial responsibility filed by your insurer that Georgia requires for drivers reinstating a suspended license.
Question 3: What is the purpose of uninsured motorist coverage in Georgia?
- It protects you if you are hit by a driver with no insurance or insufficient coverage (Correct answer)
- It pays for your repairs if you cause an accident
- It covers rental car costs after an accident
- It reduces your liability if you are at fault
Correct answer: It protects you if you are hit by a driver with no insurance or insufficient coverage
Uninsured motorist coverage pays for your injuries and damages when the at-fault driver has no insurance or not enough insurance.
Question 4: In Georgia, how long must an SR-22 filing be maintained?
- 3 years (Correct answer)
- 1 year
- 5 years
- 2 years
Correct answer: 3 years
Georgia requires SR-22 filings to be maintained continuously for 3 years; letting it lapse resets the period.
Question 5: What is the minimum property damage liability coverage required in Georgia?
- $25,000 (Correct answer)
- $10,000
- $50,000
- $15,000
Correct answer: $25,000
Georgia requires a minimum of $25,000 in property damage liability coverage per accident.
Question 6: In Georgia, what must a driver do if they are involved in an unattended vehicle accident?
- Leave a written note with contact information and notify police (Correct answer)
- Only call their insurance company
- Wait at the scene for up to 30 minutes
- Report it within 24 hours online only
Correct answer: Leave a written note with contact information and notify police
If you hit an unattended vehicle in Georgia, you must leave a note with your name and contact info and notify police.
GA DMV Insurance and Financial Responsibility 2
If you are involved in a Georgia traffic accident causing injury or death, you must report it to: