---
title: O.C.G.A. § 31-11-33. Insurance coverage requirements.
collection: code
id: 31-11-33
cite_as: O.C.G.A. § 31-11-33 (2025)
canonical_url: https://georgiacommons.org/code/31-11-33
md_url: https://georgiacommons.org/code/31-11-33.md
text_url: https://georgiacommons.org/code/31-11-33/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t31-(v23)-2025-pdf.pdf?sfvrsn=da7ded69_0#page=704
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Session of the General Assembly of Georgia
heading_path: HEALTH / EMERGENCY MEDICAL SERVICES / LICENSES
---

# O.C.G.A. § 31-11-33. Insurance coverage requirements.

(a) Every ambulance and emergency organ transport vehicle operated on the streets, highways, and private access roads of this state by persons engaged in providing ambulance service shall have insurance coverage issued by an insurance company licensed to do business in this state providing at least the minimum coverage required for motor vehicles under Chapter 34 of Title 33; provided, however, that in the case of ambulances or emergency organ transport vehicles operated by the state, the coverage required shall be the same coverage required for other state vehicles under Chapter 9 of Title 45. Every air ambulance operated by persons engaged in providing air ambulance service in this state shall have insurance coverage as described in Code Section 33-7-9.

(b) No ambulance or emergency organ transport vehicle shall be licensed nor shall any license be renewed unless the ambulance or emergency organ transport vehicle has insurance coverage in force as required by this Code section. A certificate of insurance shall be submitted to the license officer for approval prior to the issuance or renewal of each ambulance license and emergency organ transport vehicle license. Satisfactory evidence that such insurance is at all times in force and effect shall be furnished to the license officer, in such form as he or she may specify, by all licensees required to provide such insurance under this Code section.

(c) This Code section shall apply to all ambulances and emergency organ transport vehicles, whether privately operated or operated by any political subdivision of the state or any municipality thereof.

(d) This Code section shall not apply to first responders, which do not transport patients, operated by municipalities or counties that have not elected to waive their governmental immunity by purchasing vehicle liability insurance pursuant to Code Section 33-24-51.

## History

Code 1933, § 88-3104.1, enacted by Ga. L. 1975, p. 916, § 1; Ga. L. 1986, p. 1321, § 1; Ga. L. 1987, p. 542, § 4; Ga. L. 2003, p. 304, § 8; Ga. L. 2025, p. 286, § 6/SB 58, effective July 1, 2025.

## Editor's Notes

Ga. L. 2025, p. 286, § 1/SB 58, not codified by the General Assembly, provides: “This Act shall be known and may be cited as the ‘Georgia Transporting Life-Saving Organs and Personnel Act.’”

## Law Reviews

For annual survey of local government law, see 38 Mercer L. Rev. 289 (1986).

## Amendments

The 2025 amendment, effective July 1, 2025, in subsection (a), inserted “and emergency organ transport vehicle”, inserted “that” following “however,”, and inserted “or emergency organ transport vehicles”; in subsection (b), inserted “or emergency organ transport vehicle” twice in the first sentence, inserted “and emergency organ transport vehicle license” in the second sentence, and inserted “or she” in the third sentence; and, in subsection (c), inserted “and emergency organ transport vehicles” near the beginning and added “thereof”.