Georgia Code
Article 1 - General Provisions
§ 40-6-10. Insurance Requirements for Operation of Motor Vehicles Generally

(1.1) Upon the request of the insured, an insurer may issue a verification as to the existence of minimum motor vehicle liability insurance coverage as required under Chapter 34 of Title 33 in an electronic format to a mobile electronic device to the extent available. This paragraph shall not require an insurer to provide such verification of coverage in real time.
(1.2) The owner or operator of a motor vehicle for which minimum motor vehicle liability insurance coverage is required under Chapter 34 of Title 33 shall keep proof or evidence of required minimum insurance coverage in the vehicle at all times during the operation of the vehicle. The owner of a motor vehicle shall provide to any operator of such vehicle proof or evidence of required minimum insurance coverage for the purposes of compliance with this subsection. The proof or evidence of required minimum insurance coverage required by this subsection may be produced in either paper or electronic format. Acceptable electronic formats include a display of electronic images on a mobile electronic device.
(2.1) If the vehicle is insured under a fleet policy as defined in Code Section 40-2-137 providing the required minimum insurance coverage or if the vehicle is engaged in interstate commerce and registered under the provisions of Article 3A of Chapter 2 of this title, the insurance information card issued by the insurer shall be considered satisfactory proof of required minimum insurance coverage for the vehicle.
(2.2) If the vehicle is insured under a certificate of self-insurance issued by the Commissioner of Insurance providing the required minimum insurance coverage under which the vehicle owner did not report the vehicle identification number to the Commissioner of Insurance, the insurance information card issued by the Commissioner of Insurance shall be considered satisfactory proof of required minimum insurance coverage for the vehicle, but only if accompanied by a copy of the certificate issued by the Commissioner of Insurance.
History. Code 1981, § 40-6-10 , enacted by Ga. L. 1990, p. 2048, § 5; Ga. L. 1996, p. 1079, § 1; Ga. L. 2000, p. 429 §§ 5, 5A; Ga. L. 2001, p. 1228, § 2A; Ga. L. 2002, p. 1, § 1; Ga. L. 2003, p. 261, § 5; Ga. L. 2005, p. 334, § 18-1/HB 501; Ga. L. 2008, p. 209, § 1/HB 1235; Ga. L. 2010, p. 143, § 10/HB 1005; Ga. L. 2011, p. 99, § 59/HB 24; Ga. L. 2013, p. 607, § 1/HB 254; Ga. L. 2019, p. 1056, § 40/SB 52.
The 2019 amendment, effective May 12, 2019, part of an Act to revise, modernize, and correct the Code, substituted “the Department of Driver Services” for “the department” in the second sentence of paragraph (a)(7); and substituted “the Department of Revenue” for “the department” at the end of the last sentence of subsection (b) and in the middle of subsection (d).
Cross references.
Requirements of motor vehicle liability insurance policies and uninsured motorist coverage, § 33-7-11 .
Motor vehicle accident reparations, T. 33, C. 34.
Proof of financial responsibility, T. 40, C. 9.
Motor carrier bond or insurance, § 40-1-112 .
Code Commission notes.
Pursuant to Code Section 28-9-5, in 2002, “data base” was substituted for “database” in paragraph (a)(3).
Editor’s notes.
Ga. L. 2000, p. 429, § 1, not codified by the General Assembly, provides: “(a) The General Assembly finds that a significant number of motor vehicle owners in this state fail to meet the requirements of existing law for minimum motor vehicle liability insurance. The General Assembly finds further that enforcement of such requirements is made difficult by existing methods and procedures for tracking insurance coverage and providing proof of insurance.
“(b) The General Assembly declares that the purpose of this Act is to improve enforcement of minimum motor vehicle liability insurance requirements by providing the Department of Public Safety with updated information from insurers regarding those vehicles for which minimum motor vehicle liability insurance coverage is in effect, which information may be made accessible to law enforcement officers throughout the state, all without hampering the underwriting activities of any insurer or changing existing penalties for operating a motor vehicle without minimum liability insurance coverage.”
Code Section 40-5-71, referred to in subsection (c), was repealed by Ga. L. 2010, p. 143, § 8/HB 1005, effective May 20, 2010.
Ga. L. 2011, p. 99, § 101/HB 24, not codified by the General Assembly, provides that this Act shall apply to any motion made or hearing or trial commenced on or after January 1, 2013.
Law reviews.
For note on the 2001 amendment of this Code section, see 18 Ga. St. U.L. Rev. 177 (2001).
For note on the 2003 amendment to this Code section, see 20 Ga. St. U.L. Rev. 208 (2003).
For article, “Evidence,” see 27 Ga. St. U. L. Rev. 1 (2011).
For article on the 2011 amendment of this Code section, see 28 Ga. St. U.L. Rev. 1 (2011).