Georgia House Bill HB198

Georgia 2023-2024 Regular Session

• Introduced: 2/1/23

Caption

Motor vehicles; alternate acceptable proof of insurance; expand time

Impact

If enacted, HB 198 will streamline the process by which drivers can demonstrate compliance with Georgia's insurance requirements. By enabling the use of a written binder as proof of insurance for extended periods, the law aims to provide a more flexible approach for vehicle owners. This change could be particularly beneficial for individuals in transitional phases, such as those acquiring new insurance policies or who are temporarily operating a vehicle.

Summary

House Bill 198 seeks to amend the insurance requirements for motor vehicles in Georgia by expanding the acceptable proof of insurance timeframe. The bill introduces a provision that allows a current written binder, for coverage applied within the last 30 days, to be considered satisfactory proof of required minimum insurance coverage. This is especially relevant for situations involving vehicles with recently applied policies or those nearing the expiration of a temporary operating permit.

Contention

While the bill appears to present a more accommodating policy for motor vehicle operators, there may be concerns regarding potential misuse or abuse of the provisions. Critics could argue that expanding the use of temporary proof of insurance could lead to an increase in uninsured driving incidents. As a result, discussions may focus on balancing the ease of compliance with protecting the interests of road safety and ensuring adequate insurance coverage for all drivers.