Is Georgia a No Fault State for Auto Insurance?

Is Georgia a No Fault State for Auto Insurance?

Georgia doesn’t follow a no-fault system for auto insurance claims.

This implies that in order for your auto insurance provider to cover expenses like repairing your damaged vehicle, medical bills, or other losses.

You must establish who was responsible for the accident.

An image illustration of whether Georgia is a No Fault State for Auto Insurance
Is Georgia a No Fault State for Auto Insurance
Source: (freepik)

What does no-fault insurance mean?

No-fault auto insurance mandates that individuals involved in accidents should submit their claims to their own insurance provider, rather than the party responsible for the accident.

With no-fault claims, you can seek compensation for medical expenses, property damage, and lost income to alleviate the financial burdens resulting from an accident.

However, it’s important to note that Georgia doesn’t adhere to the no-fault auto insurance system.

In Georgia, there is an alternative procedure for filing and pursuing claims for damages if you’re injured in a car accident.

An image illustration of Georgia a No Fault State for Auto Insurance
Georgia a No Fault State for Auto Insurance
Source: (freepik)

How does Georgia’s car insurance system contrast with no-fault insurance?

Georgia follows a fault-based insurance system, meaning that in the event of a collision between two drivers, the responsible party is obligated to cover the other driver’s damages.

The victim does not need to make a claim with their own insurance.

In Georgia, all drivers are legally mandated to maintain car insurance with minimum coverage, which includes:

  • $25,000 bodily injury coverage per driver
  • $50,000 bodily injury coverage per accident
  • $25,000 property damage liability per incident

When the at-fault driver is involved in a car accident, it is their insurance company’s responsibility to compensate the victim for the damages incurred.

The insurance provider will utilize the at-fault driver’s policy limits to settle your claim once you have established your right to compensation.

To collect these damages, you must initiate a personal injury claim with the at-fault driver’s insurance company.

This claim should outline the bodily injuries you’ve sustained, the adverse impact on your life, and the financial losses you’ve suffered as a result.

Your Duluth car accident attorney can assist in determining the extent of your damages.

This process differs from that in a no-fault state, where you would file a claim with your own car insurance company, which is required to offer personal injury protection (PIP), to secure the compensation owed.

Legal action can typically be pursued only if the financial damages exceed your PIP coverage.

What types of damages can you seek in a Georgia car accident legal case?

In a no-fault state, individuals injured in accidents may face limitations in the damages they can recover.

Since they initially seek compensation from their own insurance provider, many victims may downplay their injuries or request less money to aid their recovery.

However, in Georgia, you have the opportunity to claim a broader spectrum of damages, which encompass:

  • Medical expenses
  • Lost income
  • Prescription costs
  • Rehabilitation expenses
  • Pain and suffering
  • Loss of enjoyment of life
  • Disfigurement
  • Scarring
  • Anxiety or post-traumatic stress disorder (PTSD)
  • Property damage

What do you need to do to get Compensation?

You’ll need to amass evidence, file a lawsuit, and navigate discussions with the insurance company’s adjusters, who may attempt to dissuade you.

Collaborating with your attorney, here are the essential steps to take:

  1. Collect evidence against the party at fault.
  2. Capture photographs at the accident scene depicting property damage and injuries.
  3. Obtain a copy of the police report from the responding officers.
  4. Seek medical attention promptly after the accident, even if you don’t immediately feel injured.
  5. Adhere to your doctor’s advice and follow their recommendations.
  6. Maintain a record of receipts, bills, and evidence for future reimbursement.
  7. File a claim with the other party’s insurance company.
  8. Avoid communicating with the other party’s insurance company without your attorney’s presence.
  9. Refuse to accept blame-shifting or extremely low settlement offers.
  10. Concentrate on your recovery while your attorney prepares your case against the negligent driver.

Since Georgia does not operate under a no-fault car insurance system, you must initiate a lawsuit to obtain compensation for your accident.

Pursuing damages is the only way to prevent bearing the financial burdens of someone else’s negligent actions.


Georgia is not a no-fault state for auto insurance.

Unlike no-fault states where individuals typically file claims with their own insurance providers regardless of fault.

The at-fault party is responsible for the damages incurred by the victim in a car accident.

This means that drivers in Georgia may have a broader scope for claiming damages.

This include medical expenses, lost wages, property damage, and various other losses, which is a departure from the no-fault insurance system found in some other states.

It’s essential for individuals involved in car accidents in Georgia to understand these distinctions.

Also take the necessary steps to seek compensation for their losses through the at-fault driver’s insurance or legal action when needed.

ALSO READ : Is California a No Fault Auto Insurance State?

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