Car Insurance Rules and Requirements in Georgia

When filing a claim after an auto accident, insurance companies and their coverage can play a large role in the damages recovered. There are some states that follow a no-fault system when it comes to auto accidents, but not Georgia. This state is a 'fault' car insurance state so you can file a lawsuit against the party at fault for the accident. In the lawsuit, insurance coverage will most likely be a topic under discussion. Georgia requires all drivers to have certain minimum requirements, for example:

  • $25,000 if there is injury or death of another person
  • $50,000 if there is injury or death to more than one person involved in the accident
  • $25,000 for property damage

Another important note is that Georgia does not require drivers to have uninsured motorist coverage. This type of coverage is used if involved in a hit and run or if you get into an accident with someone who does not have adequate insurance to cover the damages. It is often advised that drivers do purchase this type of insurance; however, to protect themselves in situations where the at-fault driver does not have insurance or has insufficient insurance.

When it comes to filing a claim against the at-fault driver, you can seek compensation for your injuries, vehicle damage and any lost wages throughout the process. You can look to recover damages by:

  1. Filing a claim through your insurance company
  2. Pursuing a claim with the at-fault driver's insurance company
  3. Filing a lawsuit in civil court

If you have been involved in an auto accident, the insurance matters involved can be complex. On top of that, insurance companies often try to pay less than deserved after an accident. Let Attorney Andrew Jones hold them accountable and protect your rights after an accident. Contact Jones & Swanson at (888) 618-2423 for an aggressive legal advocate in your auto accident case.