In the state of Georgia, all scooters or mopeds must be registered and insured. The insurance requirements for scooters are the same as those for motorcycles.
Liability Insurance:
All scooter owners in Georgia are required to carry liability insurance. Liability insurance covers damages and injuries you may cause to others in an accident. The minimum liability insurance requirements in Georgia are:
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per accident
- $25,000 in property damage liability coverage
Additional Insurance Coverage:
In addition to liability insurance, you may also want to consider purchasing additional insurance coverage for your scooter, such as:
Collision coverage: This insurance covers damage to your scooter if you are in an accident, regardless of who is at fault.
Comprehensive coverage: This insurance covers damage to your scooter from theft, vandalism, and other non-collision events.
Penalties for Riding a Scooter without Insurance:
If you are caught riding a scooter without insurance, you may face the following penalties:
Fines: You may be fined up to $1,000.
Suspension of your driver's license: Your driver's license may be suspended for up to 6 months.
Impounded scooter: Your scooter may be impounded until you can show proof of insurance.
If you are involved in an accident while riding a scooter without insurance, you will be held personally responsible for any damages and injuries you cause.
