Georgia injury law
Georgia Insurance Minimums & UM Coverage
25,000 per person minimum, which is why uninsured motorist coverage often decides recovery.
Georgia requires 25,000 per person and 50,000 per accident in bodily injury liability plus 25,000 in property damage. A single ambulance ride and emergency imaging can consume that. Georgia insurers must offer uninsured and underinsured motorist coverage in writing, and Georgia permits add-on UM that stacks on top of the at-fault driver's limits rather than reducing by them. Before accepting the liability limits you must obtain written consent to settle from your UM carrier, or you can forfeit the UM claim entirely.
Georgia at a glance
- Deadline
- Two years from the date of the crash for personal injury and wrongful death claims (O.C.G.A. 9-3-33). Property damage claims get four years. Claims against a city, county, or the state carry ante litem notice deadlines as short as six months.
- Fault rule
- Modified comparative negligence with a 50% bar (O.C.G.A. 51-12-33). You can recover as long as you are less than 50% at fault, but your award is reduced by your share of the blame.
- Min. coverage
- $25,000 per person / $50,000 per accident bodily injury and $25,000 property damage. Georgia does not require uninsured motorist coverage, but insurers must offer it in writing.
More Georgia law
Related rules
- Damages You Can Recover in GeorgiaMedical costs, lost income, future care, pain and suffering, and in some cases punitive damages.
- Dealing With Insurance AdjustersYou are not required to give a recorded statement to the other driver's insurer.
- Georgia Comparative NegligenceRecover only if you are less than 50% at fault, with your award reduced by your share.
- Georgia Statute of LimitationsYou generally have two years from the date of the crash to file suit in Georgia.
- How Fault Is Actually ProvenPhysical evidence and data beat conflicting driver statements every time.
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