Georgia Auto Insurance & Crash Law

VictimsGuide’s Georgia library organizes the rules that matter after a serious crash: required liability insurance, uninsured and underinsured motorist coverage, add-on and reduced-by UM/UIM, policy interpretation, claims handling, employer and commercial coverage, government claims, comparative negligence, damages, medical-provider liens, settlement and controlling case authority.

Georgia rules to identify early

• Minimum liability: Georgia requires at least $25,000 per person, $50,000 per occurrence for bodily injury, and $25,000 for property damage.
• UM/UIM: Georgia distinguishes add-on and reduced-by coverage, so the declarations and election forms matter.
• Comparative negligence: Georgia’s modified comparative-fault system bars recovery at 50% or more fault and reduces damages below that threshold.
• 2025 tort reform: changes affecting medical-expense proof, seat-belt evidence and trial procedure should be considered in current injury claims.

Preserve the complete policy and endorsements, crash report, photographs, video and vehicle data, and investigate household, employer, commercial, umbrella and excess coverage before signing a release.

Current-law review: September 17, 2026. Verify current Georgia statutes, regulations, appellate decisions and policy language for the particular claim before relying on this educational guide.