Is Georgia A No-Fault State Auto Insurance?

No, Georgia isn’t a no-fault state when it comes to auto insurance. In Georgia, auto insurance claims don’t follow a no-fault system.

When there’s a car accident, the person who caused it is responsible for paying for the damages and injuries they caused

This means that to receive compensation for your damaged car, medical expenses, or other losses, you must demonstrate who was responsible for the accident before your insurance company will cover the costs.

Unlike in some other states where each person’s insurance pays no matter who’s at fault, in Georgia, it’s the at-fault driver’s responsibility.

If you’ve been in a car accident in Georgia, it’s crucial to talk to a lawyer.

You have rights that need protection, and getting the compensation you deserve from the person who caused the accident can be tough.

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What is no-fault insurance?

It’s when if you’re in a car accident, you file a claim with your own insurance company instead of the other driver’s, no matter who caused the crash. This is why it’s called “no-fault.”

With no-fault claims, you can get money from your insurance to cover medical bills, repair costs for your car, and wages you lost because of the accident.

But in Georgia, we don’t have no-fault insurance. If you’re hurt in a car accident here, there’s a different way to get compensation for your injuries and damages.

Difference Between Fault and No-Fault State Auto Insurance

In a no-fault state, your car insurance covers the expenses resulting from your accident regardless of fault, up to the policy limits.

Only under specific conditions can you then pursue compensation from the other driver’s insurance.

However, in a fault state like Georgia, you must first establish which driver is responsible for the accident.

Then, you have the option to file a claim with your own insurance or the other driver’s insurer.

If the other driver is deemed at fault in a Georgia car accident, you can seek full compensation from their insurance, including medical bills, property damage, pain and suffering, and lost wages.

Georgia Isn’t a No-Fault State: What Does That Mean?

This means that it’s the at-fault driver’s responsibility to cater for the damages incurred from the accident.

How Much Insurance Do You Need in Georgia?

Every state requires drivers to have a certain minimum coverage insurance for their cars.

In Georgia, which isn’t a no-fault state, the law states you must have at least:

  • $25,000 insurance per person for bodily injuries
  • $50,000 insurance per accident for bodily injuries
  • $25,000 insurance per accident for property damage

This insurance is the minimum needed to cover others if you cause an accident.

However, it won’t pay for your own injuries or car damages.

You’ll therefore need extra insurance for that, like collision or medical coverage.

How Can I Determine Fault in Georgia, a no-fault state auto insurance, Car Accident?

In the event of a car accident in Georgia, which isn’t a no-fault state, it’s crucial to get a police-issued accident report. This document typically contains:

  • The other motorist’s insurance details
  • A recap of the crash events
  • A sketch of the accident site
  • Contact details for any witnesses
  • The responding officer’s assessment of the crash’s cause and the responsible party
  • Records of any traffic tickets given
  • Accounts from those involved and witnesses

Traffic infractions can sometimes make it clear who is at fault. For instance, a driver who ignores a red light will likely be deemed at fault for the accident.

In certain crash types, such as rear-end collisions, determining liability is more straightforward, with the trailing driver usually being blamed.

However, establishing fault can be challenging in Georgia, particularly when both drivers share some responsibility.

In such cases, the expertise of a seasoned Georgia car accident lawyer can be crucial for securing rightful compensation.

What Happens if I’m Partly Responsible for the Accident?

In Georgia, if an accident is partially your fault, compensation is guided by the modified comparative negligence rule.

You’re eligible for reimbursement from the other driver’s insurer as long as you’re less than 50% responsible.

However, your compensation is adjusted based on your fault percentage.

For instance, being 10% at fault means you could receive compensation for 90% of your total damages, reflecting your share of the responsibility.

What Can You Ask for in a Georgia Car Accident Case?

In some states where no-fault rules apply, there are limits on what damages you can seek because you first get money from your own insurance.

This might make people downplay their injuries or ask for less money to help them heal.

But in Georgia, you can ask for more types of damages, like:

  • Medical bills
  • Money lost from not working
  • Costs for prescriptions
  • Rehabilitation expenses
  • Pain and suffering
  • How much your life enjoyment has been affected
  • Changes in your appearance from injuries
  • Scars you got from the accident
  • Feelings of anxiety or post-traumatic stress
  • Damage to your car or other property


Georgia operates under an “at-fault” system for auto insurance claims. This means that the driver responsible for causing an accident is liable for the damages and injuries incurred by other parties involved.

Georgia’s modified comparative fault rule may reduce compensation if a driver is found partially at fault.

It’s therefore essential for drivers in Georgia to understand these nuances, as they directly impact the claims process and potential legal proceedings following an accident.

Always ensure you carry adequate liability insurance and seek professional legal advice if you find yourself in a complex accident situation.

Remember, in Georgia, the fault is a determining factor in the recovery of damages, making it crucial to establish liability accurately.

For this reason, Georgia is NOT a no-fault state auto insurance.

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