Plain English Breakdown
The official status indicates the bill passed both chambers and reached final enrollment, but no effective date is provided in the source material.
HB585: Rules for Excluded Drivers on Car Insurance
This bill creates rules allowing car insurance policies to list specific drivers who are not covered and requires proof of this exclusion when showing evidence of minimum insurance.
What This Bill Does
- Allows an insurer to create a policy that excludes certain named drivers from coverage.
- Requires insurers to clearly identify any excluded drivers on the official proof or evidence of required minimum insurance coverage.
- Sets up rules for how these exclusions must be handled and documented.
- Establishes penalties for an excluded driver who operates a motor vehicle without valid proof of insurance.
Who It Names or Affects
- Car insurance companies in Georgia
- Drivers listed as 'excluded' on their household's car insurance policy
Terms To Know
- Excluded driver
- A person specifically named in an insurance policy who is not covered under that motor vehicle insurance.
- Proof of minimum insurance
- The official document or evidence showing a vehicle meets state requirements for having car insurance, which must now list excluded drivers if any exist.
Limits and Unknowns
- The specific dollar amounts for penalties are not listed in the provided summary text.
- The exact date this law becomes effective is not included in the source material.
- Details on how drivers can appeal an exclusion or add themselves back to a policy are not described.