• Liability Insurance 
    • Liability insurance provides the insured party with protection against claims resulting from injuries and damage to people and/or property.
    • Liability is the legal minimum requirement
    • Driving without liability insurance is ILLEGAL
    • Wrecked without liability could mean (pay out of pocket, fines, wage garnishment)
  • Bodily Injury Liability
    • pays for another person’s expenses if you injure them in a car accident
    • This type of coverage typically helps cover someone else’s medical bills.
    • Loss of income incurred by accident
  • Property Damage Liability
    • pays to repair damage you cause to another person’s vehicle or property
    • covers the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence or building front.
  • Uninsured Motorist Bodily Injury
    • covers you, the insured members of your household (resident relatives) and your passengers for bodily/personal injuries, damages, or death caused by an at-fault driver who doesn’t have insurance (uninsured) or, in some states, by a hit-and-run or miss-and-run driver
  • Uninsured Motorist Property Damage
    • pays for damage an uninsured driver causes to your vehicle
    • Uninsured Motorist Property Damage insurance may also protect your vehicle if a hit-and-run driver damages it
    • Covered property may include personal property as well as your vehicle, depending on the state.
  • Comprehensive Coverage
    • coverage that helps pay to replace or repair your vehicle if it’s stolen or damaged in an incident that’s not a collision 
    • Comprehensive typically covers damage from fire, vandalism or falling objects (tree or hail)
  • Collision Coverage
    • coverage that helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object (fence or tree)
    • If your car is paid off, collision is an optional coverage on your car insurance policy
  • MOVE OVER LAW
    • Must move over if hazard lights on displayed in car on shoulder
    • Must slow down below state speed limit if traffic is “heavy”
    • Considered Moving violation
    • Up to $500 fine
  • GEORGIA DRIVING LAW for TEENS
    • @ 15 teens may receive instructional permit
      • Must pass written exam
    • Must have permit for 1 year &1 day 
      • Must pass driving exam
    • Licensed 16-18 y/o Class D
      • Driving from 12AM-6AM prohibited
      • First 6 Months
        • Immediate family member accompaniment only
      • After 6 Months
        • One non-family member under 21 y/o
      • After 12 months
        • 3 non-family member under 21 y/o
  • JOSHUA’S LAW
    • Enacted January 1, 2007
      • Joshua Brown died in car accident in 2003
      • Joshua’s parent with the help of legislators changed the game for Georgia driver training requirements
      • TANDRA (The Teenage and Adult Driving Responsibility Act)
    • For class D
    • New 16 y/o driver must complete approved driver education course
      • Must also complete driving requirement
        • 40 hours supervised driving
        • 6 hours of supervised night driving
    • New 17 y/o driver exempt from course requirement
      • Must complete driving requirement 
    • New 18 y/o requirement may apply for class C license
      • No traffic violations
      • Any citizen who has withdrawn from school, has 10 unexcused absences, or has any type of conduct infraction may not apply or keep permit/license