IMPORTANT INSURANCE NOTICE

Motor vehicle owners and lessees in this state are required to maintain continuous Georgia liability insurance coverage on their vehicles.

They must have acceptable proof of insurance to be able to:

•  Register and obtain a Georgia license plate (tag) for their vehicle;

•  Renew, transfer or replace their existing Georgia license plate (tag); and,

•  Legally drive their vehicle.

The Department of Revenue (DOR) is required by law to suspend and/or revoke the registration of any vehicle that does not have continuous Georgia liability insurance coverage.

Anyone driving a motor vehicle without acceptable proof of Georgia liability insurance coverage will be subject to fines and vehicle impoundment when discovered by law enforcement or if the vehicle is involved in an accident. See the information under the heading “Acceptable Proof of Georgia Motor Vehicle Liability Insurance” for what is acceptable proof of insurance coverage.

Acceptable Proof of Georgia Motor Vehicle Liability Insurance

The following is acceptable proof of Georgia motor vehicle liability insurance:

•A valid insurance coverage indicator on your vehicle’s record on this Department's tag and title database is acceptable proof of Georgia liability insurance coverage. Law enforcement and County Tax Commissioner personnel in this state have access to this database and can easily check on the insurance status of any vehicle registered in the State of Georgia. You may check on the insurance status of your vehicle with the vehicle identification number (VIN) and title or control number from this web site. Your vehicle's identification number (VIN) and title or control number can be found on your current Georgia registration (a/k/a tag receipt) or title. When a Georgia title has not been issued for the vehicle in the registered owner’s name, a fifteen-digit control number beginning with “17” or “99” will appear on the vehicle's registration certificate (a/k/a tag receipt) instead of a title number. Click here to access the Insurance State Inquiry screen. If no information is found and you do not have acceptable proof of insurance coverage as shown under the heading “Acceptable Proof of Georgia Motor Vehicle Liability Insurance”, check with your insurer since only your insurer can add, delete or modify insurance information on the insurance database.

 •A valid fleet insurance policy information card issued by an insurer, licensed in Georgia, is acceptable proof of Georgia liability insurance coverage for a vehicle insured under a fleet insurance policy. This card must be carried in the vehicle at all times while the vehicle is in operation. Neither the vehicle identification number (VIN) nor the registrant’s name is required on this card.

•A bill of sale dated within thirty- (30) days of the vehicle’s purchase date and a valid insurance declaration page (usually the top page of an insurance policy) issued by an insurer, licensed in Georgia, is acceptable proof of Georgia liability insurance coverage for a recently purchased vehicle. The bill of sale and the insurance declaration page must be carried in the vehicle at all times while the vehicle is in operation until an electronic insurance record is received by this Department from the insurer. A bill of sale and an insurance declaration page used as proof of insurance are only valid for thirty- (30) days.

• A valid self-insured insurance information card and a certificate of self-insurance issued by the Georgia Insurance and Safety Fire Commissioner’s office (ICO) are acceptable proof of insurance coverage for a self-insured vehicle. Both this card and the certificate of self-insurance must be issued in the registered owner’s name and be carried in the vehicle at all times while the vehicle is being driven.

Definition: A self-insurer is any owner who has on file with the Georgia Insurance and Safety Fire Commissioner’s office (ICO) an approved self-insurance plan providing coverage, benefits, and an efficient claims handling procedure equivalent to those provided by an automobile liability insurance company and complies with all state laws, rules and regulations. A self-insured insurance information card must be accompanied by a current certificate of self-insurance issued by the Georgia Insurance and Safety Fire Commissioner’s office (ICO) for it to be acceptable proof of insurance coverage.

•  A valid insurance policy information card issued by an insurer, licensed in Georgia, in the registered owner’s name reflecting the vehicle’s identification number (VIN) is acceptable proof of liability insurance coverage for a vehicle that is registered with the Georgia International Registration Plan (IRP). This card must be carried in the vehicle at all times while the vehicle is in operation.

•  A rental agreement is acceptable proof of insurance coverage for a vehicle that is rented, not leased, and must be carried in the rental vehicle while it is being driven.

Insurance Policy Information Cards

In addition to electronically transmitting insurance information to this Department's insurance database, your insurer must issue you, their insured, an insurance policy information card for each vehicle they insure. Even though this card is unacceptable proof of insurance coverage for all vehicles except self-insured vehicles, fleet vehicles and vehicles registered in Georgia under the IRP Plan, this card must be carried in the vehicle at all times while it is being driven. Insurance policy information cards may be needed in the following situations.

• For travel in other states where they may not recognize the information on our database;

• To easily exchange insurance information in case the vehicle is involved in an accident;

• For proof of liability insurance coverage for a fleet and self-insured vehicle as well as vehicles registered in Georgia under IRP (International Registration Plan). A certificate of self-insured issued by the Georgia Insurance and Safety Fire Commissioner's office must accompany a self-insured insurance information card for the card to be acceptable proof of insurance coverage.

Insurers Must Electronically Transmit Insurance Information*

Insurers are required by law to electronically transmit insurance information to this Department's insurance database for each vehicle* they insure. For more information regarding the insurer's responsibilities, click here.

*Note: Self-insured vehicles, fleet vehicles and vehicles registered in Georgia under IRP (International Registration Plan) must have Georgia liability insurance coverage, but are exempt from the electronic transmitting requirements.

Voluntary Cancellation of Vehicle Registration by Registered Owner

You may voluntarily cancel your vehicle registration with your County Tax Commissioner’s office without surrendering your vehicle's license plate (tag) when the vehicle is not going to be driven.* Do not drive or let someone drive your vehicle with a cancelled, suspended or revoked registration or while the vehicle is uninsured.

*Important: To avoid any lapse and restoration fees from being charged, you must cancel your vehicle’s registration before canceling your vehicle’s insurance coverage.

Voluntary Cancellation of Registration by Military Personnel

Resident or non-resident military personnel on active military duty may voluntarily cancel their vehicle Georgia registration with their County Tax Commissioner’s office when the vehicle is not going to be driven during their absence.

Upon their return, the military service member may have their vehicle registration reinstated at their County Tax Commissioner’s office with the following:

•  Payment of all applicable vehicle ad valorem taxes and registration fees, when applying for reinstatement during the owner's registration period. If the vehicle owner did not receive a pre-printed bill showing the amount of ad valorem taxes due, they should contact their County Tax Commissioner's office for this information. Click here to determine the owner's registration period

.•  Acceptable proof of Georgia motor vehicle liability insurance coverage. See the information under the heading "Acceptable Proof of Georgia Motor Vehicle Liability Insurance” for what is acceptable proof of insurance coverage.

•  A properly completed and signed Service Member’s Affidavit for Mandatory Insurance Relief, Form MV-18G. Click on the form name or number to complete it on-line for printing, signing and submission. The signature on this form must be notarized. The notary must affix their notary seal or stamp and record the date their notary commission expires. The service member’s commanding officer must complete and sign the “Certification of Service Member’s Commanding Officer” section at the bottom of the affidavit, Form MV-18G.

• Submission of acceptable proof that the vehicle has passed an emission's inspection, if an emission’s inspection is required for the vehicle in the owner's county of residence. For more information regarding emissions’ inspections, please contact the Georgia Clean Air Force or click here to connect to their web site.

Incorrect VIN

If your insurance policy information card does not reflect your vehicle’s complete and correct vehicle identification number (VIN), contact your insurer immediately since only your insurer can modify the information on the insurance database.

If your vehicle registration (tag receipt) and/or title do not reflect your vehicle's complete and correct VIN, contact your County Tax Commissioner's office for assistance in obtaining a new registration and/or title reflecting the correct information.

Notice of Insurance Termination

If a Notice of Insurance Termination is received by this Department, thirty- (30) days is given for new insurance information to be electronically transmitted by an insurer to this Department's insurance database. If new insurance information is transmitted and there is no lapse in coverage, i.e. The new insurance policy's effective date and the old insurance policy's termination date are the same, a valid insurance coverage indicator will remain on the vehicle’s record on this Department's tag and title database.

If there is a lapse in insurance coverage, a Notice of Lapse in Mandatory Liability Insurance Coverage is mailed to the vehicle's registered owner requesting the payment of a $25.00 lapse fee within thirty- (30) days of the date on the notice.

If the owner pays the $25.00 lapse fee within the thirty- (30) day timeframe given, a valid insurance coverage indicator will remain on the vehicle's registration record.

If the owner fails to pay the $25.00 lapse fee within the timeframe given (Thirty-days from the date on the Notice of Lapse in Mandatory Liability Insurance Coverage), it will result in the suspension and/or revocation of the vehicle's registration. When this happens, a Notice of Suspension is mailed to the vehicle's registered owner advising him or her that their vehicle registration has been suspended and what is required for reinstatement.

If the vehicle's registration is suspended or revoked, it may result in a period of time of up to six- (6) months during which the vehicle's registration cannot be renewed or reinstated and/or the imposition of fees up to $160.00 in addition to the $25.00 lapse fee. To drive this vehicle while the registration is suspended, revoked or cancelled is a misdemeanor. Additional penalties will apply if the vehicle owner has been convicted of driving a vehicle with a suspended or cancelled registration.

For more information regarding penalties, fines, lapse of insurance coverage, registration suspension and registration reinstatement, click here.