Georgia Car Insurance Limits
- $25,000 – Bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle.
- $50,000 – Total bodily injury or death liability per occurrence in an accident caused by the owner/driver of the insured vehicle.
- $25,000 – Property damage per accident caused by the owner/driver of the insured vehicle.
Georgia Statue of Limitations
- Four (4) Years for Damage to Personal Property
- Two (2) Years for Personal Injury
- Twelve (12) months to file a formal written complaint for Lawsuits against the State of Georgia. A written or delivered to the Risk Management Division of the Georgia Department of Administrative Services.
Georgia is a Comparative ‘At-Fault’ State
Comparative Fault means that separate drivers can share fault and receive their awards based on the percentage of fault that they’re given.
In Georgia, drives who are at least 50% at-fault for an accident, are not able to recover any damages or compensation.
Georgia Requires Liability Insurance
In the State of Georgia, liability insurance coverage is only required which pays for property damage and bodily injuries caused from an accident that you caused. This type of coverage does not pay for your own injuries and damages. The two types of Liability Coverage are:
- Bodily Injury (BI) covers any medical bills, or funeral expenses associated with the accident in which you were at-fault.
- Property Damage (PD) covers the damages caused to someone else’s property in which you were at-fault such as vehicle repairs.
Note: To cover your own motor vehicle, you would need to add/include comprehensive and collision coverages in your car insurance policy.
Optional Medical Coverages
A) Personal Injury Protection (PIP)
PIP is an optional insurance coverage you can add to your auto policy. After an accident and up to certain limits, PIP helps pay for:
- Funeral Expenses
- Loss of Wages
- Loss of Services
- Hospital and Medical Expenses
B) Medical Payments (Med Pay)
MedPay or Med-Pay is another choice optional insurance coverage you can add to your auto policy. After an accident and up to certain limits, MedPay helps pay for some:
- Medical Treatment
- Funeral Expenses
- EMT/Ambulance Fees
- Hospital Expenditures such as X-rays
- Aftercare Bills
What to Do After a Car Accident in Georgia
- After stopping your vehicle, pull up as close to the accident as safely possible, without obstructing traffic. Assess the situation, do not panic and be aware of the traffic situation, and any other dangers, such as fire.
- Do your best to provide assistance to other motorists, passengers or pedestrians that may have been injured in the accident. Take extra care when attempting to move an injured person; if possible, wait for an ambulance to arrive. Contact 911 to report any injuries and call for medical assistance.
- If you have been injured in the accident, it’s important to stay calm. Ensure that you’re out of danger and not blocking any oncoming traffic. Call or wait for help, and do not attempt to move if you are unable to do so.
- If you are involved in an accident in Georgia, you’re required to provide certain information to the other parties involved:
- Name, Address and Contact Details
- Driver License Number
- License Plate Number of the Vehicles Involved
- Auto Insurance Information for the Motorists Involved
Georgia Personal Injury Attorneys and Insurance Claim Questions
If you’re interested in speaking with someone regarding your accident or an insurance, Nationwide Report has partnered with Valiant Advocates; a multi-state attorney matching service who will help connect you with an experienced attorney in your local area. Valiant Advocates also connects you with 12 different Legal Areas which include the following:
- Motor Vehicle Accident Claims such as Car Accidents, Truck/Big Rig Accidents and Motorcycle Accidents
- Personal Injury Claims including Bicycle Accidents, Slip and Fall or Brain and Spine Injury
- Wrongful Death Claims such as Fatal Car Accidents, Catastrophic Injury and Negligence
If you have any questions regarding the benefits or your interested in connecting with an attorney in your local area, contact Valiant Advocates at (800) 910-6668 or complete their easy-to-fill form to be connected with a top-ranked Georgia attorney.