What Is Members First Auto Insurance?
Members First is a state‑sponsored auto‑insurance program operated by the Georgia Department of Insurance. It offers coverage to Georgia residents who are unable to secure affordable rates from private insurers, often due to medical history or driving record challenges. In Savannah, the program is available to anyone who meets the eligibility criteria and can provide proof of residency and vehicle registration.
More from this site
Keep reading the latest coverage
Core Coverage Features
Members First provides the standard set of coverages required by Georgia law:
- Liability Coverage – Protects you if you cause bodily injury or property damage to another driver.
- Uninsured/Underinsured Motorist – Covers damages when the at‑fault driver lacks sufficient insurance.
- Medical Payments (MedPay) – Pays for medical expenses regardless of fault.
- Collision and Comprehensive (Optional) – Optional add‑ons that cover damage to your own vehicle from accidents or non‑collision incidents.
How Eligibility Is Determined
Unlike private insurers, Members First evaluates applicants based on:
- State and federal driving record.
- Medical history that may affect insurability.
- Financial stability and residency status.
Applicants submit a form through the Georgia Department of Insurance website or local county office. The application process typically takes 10–15 business days for approval.
Member Benefits in Savannah
Beyond basic coverage, Savannah residents gain:
- Lower premiums for high‑risk drivers.
- Access to roadside assistance programs.
- Discounts on multi‑policy bundles (home, auto, renters).
- Educational resources on safe driving and claims handling.
Comparing Members First to Private Insurance
| Attribute | Members First | Typical Private Insurer |
|---|---|---|
| Eligibility | High‑risk or medical restrictions | Open to most drivers |
| Premiums | Generally lower for high‑risk | Variable; often higher for high‑risk |
| Coverage Options | Standard state minimums + optional | Extensive customizations |
| Claims Process | State‑managed, streamlined | Insurance‑company dependent |
How to File a Claim in Savannah
File online via the Members First portal or call the Savannah claims center. You'll need:
- Accident report or police statement.
- Vehicle damage photos.
- Proof of medical treatment if applicable.
Claims are processed within 7–10 business days, with payouts sent directly to the insured or repair shop.
Tips for Maximizing Savings
- Maintain a clean driving record; minor infractions can increase premiums.
- Consider adding collision/comprehensive only if you own a newer vehicle.
- Bundle auto with homeowners or renters insurance for bundled discounts.
- Take advantage of the state's safe‑driving discount if you complete a defensive‑driving course.
Conclusion
Members First offers Savannah drivers a reliable safety net when private options are limited. By understanding eligibility, coverage, and claim procedures, residents can secure affordable protection that meets state requirements while keeping costs manageable.