Many drivers are unsure about how car insurance laws work in Georgia. The answer to this question can greatly impact how you handle accidents, claims, and potential lawsuits. In this article, we break down the truth about Georgia’s insurance system, explain how it differs from other states, and give you practical tips to stay protected.
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Is Georgia a No Fault Car Insurance State Explained
Georgia is not a no fault car insurance state. Instead, it follows a traditional fault-based or tort system. This means the driver found legally responsible for causing the accident must cover the damages of the other party. This applies to property damage, medical bills, and even pain and suffering claims.
How Fault Works in Georgia Accidents
When an accident occurs, insurance companies investigate to determine who is at fault. If you are found responsible, your liability coverage will pay for the other driver’s damages, up to your policy limits. The injured party also has the right to sue you for additional compensation if their costs exceed your insurance coverage.
Minimum Insurance Requirements in Georgia
In a fault-based state like Georgia, all drivers must carry minimum liability insurance:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
These limits are the legal minimum, but many drivers choose higher coverage to avoid financial risk.
Why Georgia Chose the Fault System
Unlike no fault states, where each driver’s insurance pays their own medical bills regardless of fault, Georgia lawmakers believe the fault system promotes fairness and accountability. In theory, the driver who caused the accident should bear the cost. You can read more about the differences between fault and no fault states from the Insurance Information Institute.
Can You Still Protect Yourself in Georgia?
Even though Georgia is not a no fault car insurance state, you can add optional coverages like:
- Uninsured/Underinsured Motorist Coverage
- Medical Payments (MedPay)
- Collision and Comprehensive Coverage
These extras can safeguard you against uncovered losses, especially when the at-fault driver is uninsured or has low coverage limits.
FAQs
Is Georgia a no fault car insurance state?
No. Georgia follows a fault-based system, meaning the at-fault driver’s insurance covers damages.
Can I sue the other driver after a Georgia car accident?
Yes. If you are not at fault and your damages exceed insurance payouts, you can file a lawsuit.
Does Georgia require MedPay coverage?
No, but it is optional and can be helpful for medical bills after an accident.