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.

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

Georgia is a fault state. The at-fault driver's insurance pays for damages.

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.

What are Georgia’s minimum auto insurance requirements?

All FAQs

Quick answer: Georgia minimum auto liability is 25/50/25: $25,000 per person bodily injury, $50,000 per accident bodily injury, $25,000 property damage.

Georgia law requires every driver to carry liability insurance with at least 25/50/25 limits. That means at least $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. Liability coverage pays for injuries and damage you cause to other people, not for your own car or injuries.

These are the legal minimums to register a vehicle and drive in Georgia, but they are often not enough to protect you. If you cause a serious crash, medical bills and vehicle repairs can climb well past $25,000 in a matter of hours. Anything over your limit comes out of your own pocket, and the other driver can sue you for the difference.

Here is a realistic example. You run a red light and hit a newer SUV, injuring the driver. The hospital bill is $40,000 and the SUV is a $35,000 total loss. With state-minimum limits, your policy pays $25,000 toward the injury and $25,000 toward the vehicle. You could be personally responsible for the remaining $25,000 in unpaid bills.

That is why many Georgia drivers raise their liability limits and add coverage the state does not require, such as uninsured motorist coverage, collision, and comprehensive. Roughly one in eight Georgia drivers is uninsured, so uninsured motorist protection matters here. If you carry an auto loan or lease, your lender will also require collision and comprehensive.

To see how your current limits compare with your real-world exposure, a licensed advisor can review your auto insurance and your options. Get a free coverage review and a licensed advisor will confirm whether your policy fits more than the legal minimum.