HB 585 Georgia House · 2025-2026 Regular Session

Insurance; motor vehicle policy; provide excluded driver

Summary

A BILL to be entitled an Act to amend Titles 33 and 40 of the Official Code of Georgia Annotated, relating to insurance and motor vehicles and traffic, respectively, so as to provide for an excluded driver under a motor vehicle insurance policy; to provide for definitions; to require an insurer to identify any excluded drivers in proof or evidence of required minimum insurance coverage; to provide for rules; to provide a penalty for an excluded driver operating a motor vehicle without proof of insurance; to provide for a penalty for an excluded driver operating a vehicle without insurance; to provide for related matters; to repeal conflicting laws; and for other purposes.

Bill status in committee 1 of 4 stages cleared

Introduction

Feb 2025

Committee Review

Floor Vote

Governor

Introduced Feb 21, 2025 Last action Feb 10, 2026

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What changed between versions

LC 52 0785/a → LC 52 1002S/hs · 5 edits

MODERATE

This bill was amended to clarify its scope, update definitions, and establish new enforcement procedures for excluded drivers under Georgia motor vehicle insurance policies. The changes ensure insurers properly notify the Department of Revenue about excluded drivers and create specific penalties for owners who knowingly allow excluded drivers to operate vehicles.

Scope change

The bill now specifically amends Chapter 34 of Title 33 and Chapter 6 of Title 40, with an effective date of July 1, 2027, applying to policies issued on or after that date.

DEFINITION

The definition of 'excluded driver' was slightly refined to specify an individual 'expressly designated as excluded' rather than just 'expressly excluded'.

REQUIREMENT

Insurers must now identify excluded drivers in notices to the Department of Revenue rather than in proof of insurance coverage, and must notify the department when an excluded driver is no longer excluded.

New requirements specify exactly what information must be included in insurer notices to the Department of Revenue regarding excluded drivers.

ENFORCEMENT

A new penalty was added for vehicle owners who knowingly authorize excluded drivers to operate a motor vehicle without other effective insurance.

TIMELINE

The bill now includes a specific effective date of July 1, 2027, and applies only to policies issued or renewed on or after that date.

Floor votes

How they voted

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Full legislative history

Actions timeline

Total actions

Key actions

Committee

Feb 10, 2026

Lower · Passed

House Committee Favorably Reported By Substitute

lower

Feb 21, 2025

Introduced

House Hopper

lower

5 primary · 0 co-sponsors