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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. This differs from no-fault states where each driver's own insurance pays first regardless of fault. Fault means: if someone hits you, you claim against their liability coverage; if you cause an accident, your liability covers the other party. Uninsured motorist coverage becomes critical in Georgia because roughly 1 in 8 drivers is uninsured; if they hit you, there's no liability coverage to claim against unless you have UM on your own policy.

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

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