---
title: HB 585. Insurance; motor vehicle policy; provide excluded driver
collection: bills
id: 2025-2026/hb585
cite_as: HB 585, 2025-2026 Regular Session (Ga.)
canonical_url: https://georgiacommons.org/bills/2025-2026/hb585
md_url: https://georgiacommons.org/bills/2025-2026/hb585.md
text_url: https://georgiacommons.org/bills/2025-2026/hb585/text
source_url: https://www.legis.ga.gov/legislation/70694
date: 2026-02-10
status: introduced
corpus_version: bills-2026-09-13
license: Public record of the Georgia General Assembly, via LegiScan; see about.md
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/bills/2025-2026.md
previous: https://georgiacommons.org/bills/2025-2026/hb584.md
next: https://georgiacommons.org/bills/2025-2026/hb586.md
index: https://georgiacommons.org/bills/index.md
omitted: votes and history
omitted_chars: 199
omitted_url: https://georgiacommons.org/bills/2025-2026/hb585.md?full=1
bill_number: HB 585
session: 2025-2026 Regular Session
session_slug: 2025-2026
chamber: House
bill_type: bill
status_date: 2025-02-21
last_action: House Committee Favorably Reported By Substitute
sponsors:
  - Jan Jones
  - Todd Jones
  - Charles Martin
  - Brad Thomas
  - Houston Gaines
text_version: Comm Sub
has_text: true
legiscan_url: https://legiscan.com/GA/bill/HB585/2025
upstream_id: 1980043
summaries_model: claude-sonnet-5
topic_tags:
  - auto insurance
  - excluded drivers
  - traffic law
  - vehicle owner liability
  - Department of Revenue
---

# HB 585. Insurance; motor vehicle policy; provide excluded driver

## Text

The House Committee on Motor Vehicles offers the following substitute to HB 585:
A BILL TO BE ENTITLED
AN ACT
To amend Chapter 34 of Title 33 and Chapter 6 of Title 40 of the Official Code of Georgia
Annotated, relating to motor vehicle accident reparations and uniform rules of the road,
respectively, so as to provide for named driver exclusions under motor vehicle insurance
policies; to require an insurer to identify any excluded drivers in notice to the Department
of Revenue; to provide a penalty for the operation of a motor vehicle by an excluded driver;
to provide for a penalty to an owner who knowingly authorizes an excluded driver to operate
a motor vehicle; to provide for definitions; to provide for related matters; to provide for an
effective date and applicability; to repeal conflicting laws; and for other purposes.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:
SECTION 1.
Chapter 34 of Title 33 of the Official Code of Georgia Annotated, relating to motor vehicle
accident reparations, is amended in Code Section 33-34-5, which is designated as reserved,
as follows:
"33-34-5.
<ins>(a) As used in this Code section, the term:
</ins>
<ins>(1) 'Excluded driver' means an individual expressly designated as excluded from
coverage under a motor vehicle insurance policy.
(2) 'Motor vehicle insurance policy' means an automobile liability policy or motor
vehicle liability policy issued, delivered, or issued for delivery in this state to the owner
of a motor vehicle which provides at least the minimum coverage required by this
chapter.
(b) An insurer may exclude a named individual from coverage under a motor vehicle
insurance policy, provided that such insurer identifies such named individual as an
excluded driver to the Department of Revenue as provided in Code Section 40-6-10.2.
Such insurer shall notify the Department of Revenue when such named individual is no
longer an excluded driver under such policy.</ins> <del>Reserved."
</del> SECTION 2.
Chapter 6 of Title 40 of the Official Code of Georgia Annotated, relating to uniform rules
of the road, is amended in Article 1, relating to general provisions, by adding a new Code
section to read as follows:
<ins>"40-6-10.2.
(a) As used in this Code section, the term:
(1) 'Excluded driver' means an individual expressly designated as excluded from
coverage under a motor vehicle insurance policy.
(2) 'Motor vehicle insurance policy' means an automobile liability policy or motor
vehicle liability policy issued, delivered, or issued for delivery in this state to the owner
of a motor vehicle which provides at least the minimum coverage required by Chapter 34
of Title 33.
(b) When an insurer excludes a named individual from coverage under a motor vehicle
insurance policy as provided in Code Section 33-34-5, such insurer shall identify such
named individual as an excluded driver under such policy in a notice to the Department of
</ins>
<ins>Revenue. Insurance coverage information included in such notice of exclusion shall be
limited to the name and contact information of the insurer, the vehicle identification
number, the make and year of the insured motor vehicle, the policy effective date, and the
name of the excluded driver.
(c) When a law enforcement officer of this state determines that the operator of a motor
vehicle is an excluded driver under the motor vehicle insurance policy for such vehicle and
such operator does not have proof of effective insurance, such law enforcement officer
shall issue a uniform traffic citation for operating a motor vehicle without proof of
insurance as provided in Code Section 40-6-10.
(d) An owner who knowingly authorizes an individual to operate a motor vehicle when
such individual is an excluded driver under the motor vehicle insurance policy for such
vehicle and such owner knows such individual does not have other effective insurance shall
be guilty of a misdemeanor and, upon conviction thereof, shall be subject to a fine of not
less than $200.00 nor more than $1,000.00 or imprisonment for not more than 12 months,
or both."
</ins> SECTION 3.
This Act shall become effective on July 1, 2027, and shall apply to all motor vehicle
insurance policies issued, delivered, issued for delivery, or renewed in this state on or after
such date.
SECTION 4.
All laws and parts of laws in conflict with this Act are repealed.

## Summaries written by Georgia Commons

The following was written by claude-sonnet-5 from the text above and is not part of the bill. Quote the text, not the summary.

A Georgia House bill would let auto insurers exclude a named driver from coverage and require them to report that exclusion to the Department of Revenue, with new penalties for excluded drivers who get behind the wheel and for owners who knowingly let them.

### Plain-language summary

Currently Georgia's motor vehicle insurance law has a placeholder section with no substantive rules on 'excluded drivers.' This bill fills that gap by letting an insurer name a specific person as excluded from coverage under a motor vehicle insurance policy, as long as the insurer reports that person's name and basic policy details to the Department of Revenue. The insurer must also tell the state when someone is no longer excluded.
The bill adds a new companion law (O.C.G.A. 40-6-10.2) spelling out how this works on the road. If a police officer determines that a driver is an excluded driver and that driver has no other valid insurance, the officer can issue a citation for driving without proof of insurance. Separately, a vehicle owner who knowingly lets an excluded driver operate the car, knowing that driver has no other insurance, commits a misdemeanor punishable by a fine of $200 to $1,000, up to 12 months in jail, or both. The changes would take effect July 1, 2027, and apply to policies issued or renewed on or after that date.

### What it does

- Allows insurers to name a specific individual as an 'excluded driver' who has no coverage under a motor vehicle insurance policy.
- Requires insurers to notify the Department of Revenue of any excluded driver's name and basic policy information, and to update the notice when the exclusion ends.
- Lets police issue a no-insurance citation to an excluded driver who is caught driving without other valid insurance.
- Creates a misdemeanor penalty, including a $200 to $1,000 fine and up to 12 months in jail, for an owner who knowingly lets an excluded driver operate the vehicle without other insurance.
- Sets the effective date as July 1, 2027, applying only to policies issued or renewed on or after that date.

### Who it affects

Auto insurance companies operating in Georgia, vehicle owners who share their cars with other drivers, individuals named as excluded drivers on a policy, the Department of Revenue, and law enforcement officers who handle traffic stops and insurance verification.

### Why it matters

Drivers named as excluded on someone else's insurance policy would face citations if stopped without their own coverage, and vehicle owners could face fines or jail time for knowingly letting an uninsured excluded driver use their car, changing how insurance exclusions are tracked and enforced statewide.

### Key provisions

- Section 1 amends O.C.G.A. 33-34-5, previously reserved with no content, to define 'excluded driver' and 'motor vehicle insurance policy' and permit insurers to exclude a named person from coverage.
- Section 1 requires the insurer to notify the Department of Revenue when someone is excluded and again when the exclusion ends.
- Section 2 creates new O.C.G.A. 40-6-10.2, requiring the insurer's notice to the Department of Revenue to include the insurer's contact information, the vehicle identification number, vehicle make and year, policy effective date, and the excluded driver's name.
- Section 2(c) directs officers to issue a standard no-insurance citation if an excluded driver is stopped without other proof of insurance.
- Section 2(d) makes it a misdemeanor, punishable by a $200 to $1,000 fine, up to 12 months imprisonment, or both, for an owner to knowingly let an excluded driver operate the vehicle without other insurance.
- Section 3 sets the effective date at July 1, 2027, applying to policies issued, delivered, or renewed on or after that date.

## Status

- Status: Introduced (2025-02-21)
- Last action: House Committee Favorably Reported By Substitute (2026-02-10)
- Sponsors: Jan Jones, Todd Jones, Charles Martin, Brad Thomas, Houston Gaines
- Official page: https://www.legis.ga.gov/legislation/70694

> The history, votes, and amendments (199 characters) are at https://georgiacommons.org/bills/2025-2026/hb585.md?full=1