Georgia State Coverage Summary

NAIC # 16524

Georgia DMV Phone: (855) 406 5221 / Website: Georgia DMV

Quick Links:

Coverages & Limits

Other Endorsements

Georgia Specifics

Customer Timeline & Communication Requirements

Additional Georgia KB Links

Coverages & Limits:

Bodily Injury Liability

Coverage that pays for the other party's injuries sustained during a car accident in which the covered driver is found to be at fault.

State Minimum Limits: 25k/50k
Clearcover Minimum Limits: 25k/50k
Clearcover Maximum Limits: 500k/500k

Property Damage Liability

Coverage that pays for damage to the other party's car that was sustained during an accident in which the covered driver is found to be at fault.

State Minimum Limits: 25k
Clearcover Minimum Limits: 500k
Clearcover Maximum Limits: 500k

Collision Coverage

Coverage that helps pay to repair/replace a vehicle if damaged in a covered incident with another vehicle or object (fence, guardrail, tree, or a single-vehicle incident that involves rolling or falling over). Required for vehicles that are leased or financed. An out-of-pocket deductible applies.

Lowest Deductible Option: $50
Highest Deductible Option: $2500

Comprehensive Coverage

Coverage that helps pay to repair or replace a vehicle if it’s stolen or damaged in a covered incident (other than collision). Covered incidents include things like theft, fire, vandalism, or damage resulting from falling objects (like a tree or hail), or hitting an animal. Required for vehicles that are leased or financed. An out-of-pocket deductible applies.

Lowest Deductible Option: $50
Highest Deductible Option: $2500

Glass repair is typically covered under comprehensive coverage. In most cases, no deductible applies if the glass can be repaired. If it must be replaced, then the comprehensive deductible (if selected) must be met before the insurance benefits can be applied. For more information, see Helping Customers with Glass Claims (Windshield, Window, and Sunroof Repairs).

Alternate Transportation (AT)

Reimbursement-based coverage for transportation fees if a covered vehicle is unusable due to a covered incident. Coverage provides a daily transportation stipend that can be used on the method of transportation the insured desires (carpool, public transportation, rideshare, or rental car).

Coverage Minimum/Maximum Limits: $30 Day/$900 Max - $50 Day/$1500 Max
Rules: Comprehensive & Collision required
For more information, see this KB: About Alternate Transportation

Medical Payments

Coverage that helps pay for the medical or funeral expenses of covered drivers or passengers after an accident regardless of fault.

Clearcover Minimum Limits: 1k
Clearcover Maximum Limits: 10k
Waivable: YES
Signature Required To Waive: NO

Roadside Assistance

Coverage that helps pay for the cost of towing or roadside service resulting from a mechanical or electrical breakdown. Covered incidents include things like battery failure, flat tires, getting locked out, or running out of gas.

For more information, see this KB: Roadside Assistance

Under/Uninsured Motorist Bodily Injury

Coverage that pays for costs associated with injuries to the not-at-fault party & their passengers in the event of an incident caused by a driver with no insurance or not enough insurance.

Clearcover Minimum Limits: 25k/50k
Clearcover Maximum Limits: 500k/500k
Waivable: YES
Signature Required To Waive: Uninsured Motorists Coverage Selection Form - GA

Uninsured Motorist Property Damage

Coverage that pays for costs associated with damage to the not-at-fault party's vehicle after an incident caused by an uninsured driver. An out-of-pocket deductible applies.

Clearcover Minimum Limits: 25k
Clearcover Maximum Limits: 500k
Deductible Options: $250, $500, or $1000
Waivable: YES (Must waive UM/UIM to waive this)
DropBox Document: Uninsured Motorists Coverage Selection Form - GA

Underinsured Motorist Add-On/Reduced By Coverage (Added On UM)

Coverage that allows stacking the underinsured motorist policy limits on top of the other driver’s insurance limits if necessary. If this is not selected, the insured’s underinsured motorist coverage is reduced by the policy limits of the other driver.

Waivable: YES
Signature Required To Waive: YES
DropBox Document Name: Uninsured Motorists Coverage Selection Form - GA
Coverage selection in CORE: “Added on UM”
- Added On - YES (Underinsured STACKED)
- Reduced By - NO (Underinsured UNSTACKED)

OEM (Original Equipment Manufacturer)

Coverage available to vehicles that are 9 yrs old or younger. Comprehensive/Collision coverages are extended to repair/replacement of damaged property with new original equipment manufacturer parts, if available. Comprehensive/Collision coverages required for OEM.

Original Equipment Manufacturer (OEM) Parts Endorsement Policy Form

Other Endorsements:

Business Use

Vehicle usage option that allows a covered vehicle to be utilized for work purposes that meet the acceptable business use criteria per Clearcover's underwriting guidelines. Please see the Georgia State Underwriting Guidelines to determine business use eligibility.

Rules: Clearcover does NOT offer coverage for delivery of goods!
Business Use: Business Use & Ridesharing

Rideshare (Period 1 Coverage Only)

Endorsement that offers coverage during period 1 driving for rideshare companies such as Uber or Lyft (not delivery of goods - UberEats/Doordash).

Rules: Comprehensive & Collision coverage NOT required for this endorsement
See this KB: Business Use & Ridesharing

Georgia Specifics:

Exclusion Allowed: YES (Signature Required)
GA has the option to add a Good Student Discount post-bind
- KBs: GA Good Student Discount & GA Good Student Discount Ticket Process

Customer Timeline & Communication Requirements:

Cancellation Notice During Underwriting Period (Other Than Non-Pay): 10 Days
Cancellation Notice Outside Underwriting Period (Other Than Non-Pay): 30 Days
Cancellation Notice (Non-Pay): 10-12 Days (Review/advise of date on cancel notice)
Renewal & Non-Renewal Offer/Notice: 45 Days
Renewal Grace Period: 15 Days
Underwriting Period: 59 Days

Additional Georgia KB Links:

Georgia UW: Georgia State Underwriting Guidelines
Georgia Facts: Georgia State Fact Sheet
Georgia Discounts: Georgia Discounts
Georgia Driver License Classes: Georgia Driver License Classes
Georgia DMV KB: Georgia DMV Failing to Recognize Clearcover Policies
Georgia Auto Amendatory Endorsement: Georgia Auto Amendatory Endorsement