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Georgia · State Law Library Hub
Georgia Auto Insurance & Crash Law Library
A public legal education and research library for Georgia auto insurance, UM/UIM, comparative negligence, 2025 tort-reform issues, damages and settlement.
Georgia State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category. Legal-currentness and source-integrity review remain pending; use current official authority and the actual policy before relying on a summary.
Getting Started in Georgia
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Fault rules, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, medical benefits, liens, reimbursement and settlement.
Case Authority
Georgia statutes and appellate authority organized by issue.
Guide 01 · Georgia Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Georgia’s existing library highlights add-on versus reduced-by UM/UIM, modified comparative negligence, ante-litem government claims and 2025 tort-reform changes affecting damages and proof. Preserve the policy election records and identify the law applicable to the particular claim before relying on an older summary.
Identify drivers, owners, injured people, employers and other responsible parties. Read Guide 17 for apportionment and the 50% bar, and Guide 16 promptly when a public entity may be involved.
Start with Guide 03, then read Guide 05 and Guide 06. Gather declarations, endorsements and written rejection or add-on/reduced-by election records.
Use Guide 18 for evidence preservation and limitations. Keep medical-expense documentation, seat-belt evidence where relevant, photographs, video, witness information, vehicle data and dated insurer communications.
Review Guide 19 for the existing 2025 tort-reform discussion, Guide 21, Guide 22, the case-authority library and official sources.
Georgia Published-Law Snapshot
Issues identified in the existing Georgia library
25 / 50 / 25 minimum liability
Georgia’s ordinary liability floor is 25/50/25.
Add-on vs reduced-by UM/UIM
Obtain the written UM/UIM rejection or election and identify whether coverage is add-on or reduced-by.
50% comparative-negligence bar
A claimant at 50% or more fault cannot recover; lesser fault reduces damages.
2025 tort reform
Use current law for medical-expense proof, seat-belt evidence and other recently amended damages or procedure issues.
Ante-litem government claims
Government claims can require strict advance notice and special procedural compliance.
Georgia OCI
The Office of the Commissioner of Insurance and Safety Fire regulates insurers and auto coverage.
Currentness status: the snapshot retains previously published Georgia content. Legal Currentness and Source Integrity remain pending in the Registry; a layout-update date is not a new legal-review date.
Primary Research
Official Georgia research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Georgia General Assembly
Open source →Georgia Office of Commissioner of Insurance
Open source →Georgia Courts
Open source →How this library stays current
Build the complete Georgia coverage and claim map
Identify every policy and insured, UM/UIM rejection and add-on/reduced-by election, comparative negligence, current tort-reform rules, government notice, evidence, damages, medical-provider liens or reimbursement interests, insurer conduct and release consequences.
Use current Georgia law for damages and proof.
Find every policy, preserve UM/UIM elections and crash evidence, identify ante-litem requirements and current tort-reform rules, and reconcile liens and releases before settlement.