Uninsured Motorist Coverage; minimum required under motor vehicle liability policies for a individual convicted of driving under the influence or reckless driving; increase

Higher insurance requirements after driving convictions

Georgia drivers with qualifying DUI or reckless-driving convictions must carry higher uninsured motorist coverage. For a first conviction, minimum coverage per accident is $50,000 for one person’s injury or death, $100,000 for everyone’s injuries or deaths, and $50,000 for property damage. For a second or later conviction, those minimums rise to $100,000, $300,000, and $100,000, respectively. Drivers must keep these limits or higher without interruption for three years from conviction, replacing the ordinary minimums. They must also keep proof while driving any motor vehicle; paper proof or an image on a mobile device is allowed. Qualifying DUI offenses include a blood alcohol level of 0.08 or higher, impairment by drugs or other intoxicating substances, and equivalent out-of-state offenses. Convictions include a jury’s guilty finding, a guilty plea, or a no-contest plea. The law takes effect upon the Governor’s approval or when it becomes law without approval. It applies to convictions on or after that date.