Core Georgia Authorities

• O.C.G.A. §33-7-11 — uninsured and underinsured motorist coverage, including add-on and reduced-by options.
• O.C.G.A. §51-12-33 — apportionment of damages and fault.
• Georgia 2025 legislative summary — includes the 2025 tort-reform changes enacted through S.B. 68, effective May 13, 2025.

Leading Georgia Decisions

• State Farm Mutual Automobile Insurance Co. v. Murphy, 226 Ga. 710 (1970) — UM stacking and statutory protection of available coverage.
• Southern General Insurance Co. v. Holt, 262 Ga. 267 (1992) — liability-insurer exposure for negligent or bad-faith failure to settle.
• State Farm Mutual Automobile Insurance Co. v. Staton (Ga. 2009) — insured status and limits on stacking employer-related UM coverage.

Georgia claims now require careful effective-date analysis because the 2025 tort-reform legislation changed important procedural, apportionment and damages rules. Check the policy date, accident date and later appellate interpretation before relying on pre-reform authority.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments, effective dates and current policy language before reliance.