GA DMV Insurance and Financial Responsibility 1 — Questions and Answers
Question 1: What is the minimum liability insurance coverage required for Georgia drivers?
- $25,000/$50,000/$25,000 (Correct answer)
- $10,000/$20,000/$10,000
- $50,000/$100,000/$50,000
- $15,000/$30,000/$15,000
Correct answer: $25,000/$50,000/$25,000
Georgia requires minimum liability coverage of $25,000 per person/$50,000 per accident for bodily injury and $25,000 for property damage.
Question 2: In Georgia, what document proves you have the required auto insurance?
- Insurance ID card or electronic proof on a mobile device (Correct answer)
- Only a printed insurance card
- The vehicle registration document
- A letter from your insurance agent
Correct answer: Insurance ID card or electronic proof on a mobile device
Georgia accepts both physical insurance ID cards and electronic proof displayed on a mobile device as valid proof of insurance.
Question 3: What happens to your Georgia vehicle registration if you cancel your auto insurance?
- Your registration will be suspended until insurance is reinstated (Correct answer)
- Nothing — insurance and registration are separate
- You receive a grace period of 60 days
- Your registration is immediately revoked permanently
Correct answer: Your registration will be suspended until insurance is reinstated
Georgia's electronic insurance verification system can detect lapses, and your registration may be suspended if coverage is cancelled.
Question 4: Georgia's 'no-fault' insurance system means:
- Georgia does NOT have no-fault insurance — it is an at-fault state (Correct answer)
- Each driver's own insurance pays regardless of fault
- Fault is never assigned in minor accidents
- Both drivers split costs equally
Correct answer: Georgia does NOT have no-fault insurance — it is an at-fault state
Georgia is an 'at-fault' (tort) state, meaning the driver responsible for the accident is liable for damages and injuries.
Question 5: What is the fine for a first offense of driving without insurance in Georgia?
- $200 (Correct answer)
- $500
- $100
- $1,000
Correct answer: $200
A first offense for driving uninsured in Georgia results in a fine of $200 and possible suspension of your registration.
Question 6: Under Georgia law, a driver must show proof of insurance:
- When requested by law enforcement or when registering a vehicle (Correct answer)
- Only at the time of an accident
- Only when renewing a driver's license
- Only if involved in a commercial vehicle
Correct answer: When requested by law enforcement or when registering a vehicle
Georgia drivers must show proof of insurance when asked by a police officer and when registering or renewing vehicle registration.
GA DMV Insurance and Financial Responsibility 1
What is the minimum liability insurance coverage required for Georgia drivers?