STATE LAW – GEORGIA LIBRARY – GUIDE 04
Who Is an Insured Under Georgia Auto Insurance?
Insured status can differ by coverage. Liability, UM/UIM, MedPay and other policy parts may define insured persons differently.
- Named insureds and resident relatives.
- Permissive users and occupants.
- Persons protected by UM/UIM provisions.
- Employer, commercial, rental and rideshare insured definitions.
Current-law review: September 23, 2026. Verify the actual policy and current Georgia statutes and case law before publication.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official Georgia sources
Georgia General Assembly · Georgia Office of Commissioner of Insurance · Supreme Court of Georgia
Bottom line. Preserve Georgia-specific liability, UM/UIM, apportionment, damages, settlement and current-authority issues before legal reliance.