How do I file a complaint against my insurance carrier in Georgia?

The Georgia Office of the Commissioner of Insurance (OCI) handles consumer complaints at oci.ga.gov or (800) 656-2298. Under O.C.G.A.

How is fault decided after a Georgia car accident?

Fault after a Georgia accident is decided through the police report, evidence, and each insurer's investigation, then reduced by your own share of fault.

Is Georgia a no-fault or at-fault state for auto insurance?

Georgia is an at-fault state. The driver who caused the accident is responsible for paying damages.

When is workers compensation required in Georgia?

Yes, with a specific threshold. Georgia requires employers to carry workers compensation insurance if they have three or more employees including part-time workers, under O.C.G.A.

What are the minimum auto insurance requirements in Georgia?

Georgia law requires minimum liability coverage of 25/50/25 under O.C.G.A. 33-34-4: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.

Which coverages are optional on a Georgia auto policy?

All FAQs

Quick answer: Collision, comprehensive, UM/UIM, medical payments, and rental reimbursement are optional under Georgia law; lenders often require some.

Which coverages are optional on a Georgia auto policy?

Georgia law requires only liability coverage: 25/50/25 under O.C.G.A. Sec. 33-34-4, meaning $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. Everything else on a typical policy, collision, comprehensive, uninsured and underinsured motorist coverage, medical payments, and rental reimbursement, is optional under state law. A lender, not the state, is usually what actually requires several of these coverages once a vehicle is financed or leased.

What optional coverages go beyond Georgia's minimums?

Georgia does not require the following, but each addresses a real coverage gap:

Uninsured and underinsured motorist (UM/UIM): Pays for your injuries when the at-fault driver carries no insurance or too little. Roughly one in eight Georgia drivers is uninsured, according to the Insurance Research Council.
Collision: Pays to repair or replace your vehicle after a crash regardless of fault. Most auto lenders and lessors require it.
Comprehensive: Covers non-collision losses including theft, hail, flood, fire, and animal strikes. Lenders typically require this as well.
Medical payments (MedPay): Covers medical expenses for you and your passengers regardless of fault.
Rental reimbursement: Pays for a rental car while your vehicle is being repaired after a covered claim. Not required by the state or, typically, by a lender.

What happens to coverage if you finance or lease a vehicle in Georgia?

If you finance or lease, your lender adds its own requirements on top of state law. Carrying only the state minimum on a financed vehicle can trigger force-placed insurance, a lender-selected policy that protects the lender's interest, not yours, at a much higher cost. Lenders commonly require both collision and comprehensive, which are not part of Georgia's legal minimums.

For example, a Georgia driver who drops collision coverage on a financed pickup to save money on the premium may find the lender force-places coverage within 30 days, at a rate two to three times higher than the market rate, with no collision protection for the driver. The savings disappear and the driver ends up worse off.

How do I know if my current auto limits are adequate?

Many Georgia drivers carry limits above the state minimum, such as 50/100/50 or 100/300/100, because the gap between minimum limits and real-world crash costs is significant. The right amount depends on individual assets and exposure. Understanding how your limits interact with deductibles and optional coverages is part of a full policy review. Georgia's 25/50/25 floor is a legal threshold, not a protection benchmark. A licensed advisor can compare your current limits against your assets and real-world exposure. Schedule a free coverage review to see where your policy stands.