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Coosa Valley Financial Group

415 E 2nd Ave
Rome, GA 30161-3223

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Understanding State Requirements for Motorcycle Insurance

Motorcycling in and around Rome, GA is not just a mode of transportation; it’s a way of life for many enthusiasts. However, for motorcycle riders in Georgia, understanding and adhering to state insurance requirements is a matter of legal obligation and a crucial aspect of ensuring safety on the road.

Wearing Universal Helmets 

One of the primary regulations in Georgia is the mandatory use of Universal helmets. In the context of Georgia law, universal helmets are full-face helmets that cover the entire head and face, leaving only a clear visor for the rider’s vision. 

Failure to wear a Universal helmet can result in significant consequences. The fines for a first offense without a helmet can be as high as $1,000 for both the motorcycle driver and passengers, and the offender may face up to a year in jail. 

Wearing Eye Protection

In addition to helmet requirements, Georgia law also mandates eye protection unless the motorcycle is equipped with a windshield. Also, the use of universal helmets covers eye protection. This provision safeguards riders from debris, wind, and insects that can impair vision and potentially lead to accidents. 

Following the Laws and Insurance Claims

The most critical aspect of these regulations is their impact on insurance claims. In Georgia, all motorcycle riders must adhere to state laws, including helmet and eye protection requirements, to have their insurance claims honored. This means that if an accident occurs, and the rider or passenger was not wearing a Universal helmet or suitable eye protection when required, it could result in a denial of their insurance claim, leaving them financially vulnerable.

Coosa Valley Financial Group Can Help You

At Coosa Valley Financial Group, we can help answer questions concerning motorcycle insurance. We serve the Rome, GA area. Contact us today.